Dodge Financing: What To Know in 2025
Taking a new Charger for a test drive? Fun. Securing Dodge financing? Not so much.
Even so, reviewing your loan options can help you find the lowest rate. And if you already have an offer, see how it stacks up against the average with our Dodge finance study.
How do your Dodge payments compare to the average?
We analyzed data from trusted sources like Edmunds and Experian to estimate average Dodge monthly payments based on credit score.
Here’s how to use our study to help you shop for a good deal on a Dodge loan.
- Check your credit. You’ll need to know your credit score to use our study. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Find your credit score and Dodge model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Dodge payments.
Estimated average monthly payments for new Dodges
Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
---|---|---|---|---|---|
2025 Ram 1500 | $40,275 | $669.62 | $604.34 | $570.79 | $604.92 |
2025 Dodge Durango | $38,495 | $634.32 | $572.48 | $540.70 | $573.03 |
2025 Dodge Hornet GT | $29,995 | $465.75 | $420.34 | $397.00 | $420.74 |
2025 Dodge Charger | $59,595 | $1,052.79 | $950.14 | $897.40 | $951.06 |
2025 Ram 2500 | $45,565 | $774.54 | $699.02 | $660.22 | $699.69 |
Estimated average monthly payments for used Dodges
Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
---|---|---|---|---|---|
2019 Ram 1500 | $22,649 | $455.48 | $394.57 | $350.19 | $338.23 |
2019 Dodge Durango | $17,818 | $336.99 | $291.92 | $259.09 | $250.25 |
2019 Dodge Grand Caravan | $11,153 | $173.52 | $150.32 | $133.41 | $128.86 |
2019 Dodge Charger | $15,799 | $287.47 | $249.03 | $221.02 | $213.47 |
2019 Dodge Challenger | $16,603 | $307.19 | $266.11 | $236.18 | $228.12 |
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Dodge finance options
From comparing sticker prices to choosing your options, buying a car takes a lot of research. When it comes to auto financing, we’ve done some of the legwork so you can find the loan that fits you best.
Chrysler Capital Finance
You have a credit score of 620 or higher and are buying during a promotional sales event.
Major car makers usually offer car loans to people buying their vehicles. This is called manufacturer or captive financing. If you get a loan directly from Dodge, your financing company will be Chrysler Capital Finance. Chrysler is Dodge’s parent company.
Dodge financing deals depend on your ZIP code. Discounted rates, cash back or a reduced down payment are common. Chrysler Capital typically runs these during promotional sales events, which fluctuate throughout the year.
Find out what deals are available to you by visiting Chrysler Capital’s website.
Chrysler Capital Finance usually requires a credit score of at least 620 to qualify. That falls under the fair credit band (but note that fair credit starts at 580). To see where you stand, get your credit score for free with LendingTree Spring.
Outside of exclusive Dodge financing specials, other Chrysler Capital perks include:
Certified pre-owned vehicles
Dodge offers a certified pre-owned vehicle (CPOV) program. All vehicles must pass a rigorous inspection, and each one gets a free Carfax report.
Dodge certified pre-owned cars come with three months (or 3,000 miles) worth of MaxCare, Dodge’s extensive car warranty. You can get a longer warranty by upgrading your coverage.
CPO Base
CPO Base is designed for vehicles from model years 2019 through 2024 that have less than 75,000 miles.
These certified pre-owned cars come with a seven-year, 100,000-mile warranty on most major components. You’ll also get three months (or 3,000 miles) worth of MaxCare, Dodge’s new car warranty (which is much more extensive).
CPO GO
Vehicles under the CPO GO program need to be between model years 2014 and 2024, and have fewer than 120,000 miles.
Compared to CPO Base, the warranty program on these vehicles is more limited. You’ll get the MaxCare warranty for three months. Still, that’s peace of mind that most mechanical issues may be covered.
Military and First Responders Bonus Cash
First responders, military members and veterans could get $500 off with Chrysler Bonus Cash. This deal only applies to certain models and model years. For instance, at the time of this writing, you must buy a 2024 or 2025 model to qualify.
Driveability program
The Driveability program helps Dodge make their vehicles more accessible to individuals with disabilities. If you’re eligible, you could get a rebate of up to $1,000 if you install adaptive equipment into your brand new Dodge. Some examples of adaptive equipment include hand controls, scooter hoists, custom running boards and more.
Bank and credit union auto loans
Your bank or credit union offers perks for current members.
You might be able to get a car loan through your bank or credit union. Although both options tend to offer low rates, credit union auto loans can be especially competitive. Thanks to federal law, credit unions can’t charge APRs higher than 18.00%.
Some banks and credit unions also offer APR discounts for both banking and borrowing. And if this is your first loan, you might appreciate personalized service from a loan officer. Some institutions even offer a car-buying service, which could help you find a car at a price (and rate) you can afford.
On the downside, banks and credit unions tend to have stricter credit requirements than other types of financing. Also, not every institution offers prequalification. You may need to formally apply online or visit a branch for more information.
Online auto loans
Low rates if you have excellent credit, and best for approval odds if you don’t.
Whether you have bad credit, excellent credit or something in the middle, it’s likely you can find an online car loan that meets your needs. Competitive rates aren’t hard to find if you have excellent credit. And if you’re having a hard time getting approved at the dealership, a bad credit auto loan is worth looking into.
Online loans tend to carry more (and higher) fees than banks and credit unions. Still, keeping things online can also make it easier to gather several preapproved car loans.
Lenders charge different rates for the same applicant — each has its own metrics to determine creditworthiness. So, shopping around is essential. Just get your shopping done within 14 days. That way, only one hard credit pull will count against you.
In-house financing
You have bad credit, have exhausted all other options and are happy with an older model.
In this context, in-house financing isn’t when your dealer secures your loan for you. It’s when the dealership itself approves and funds your loan. This is the business model that buy here, pay here car lots use.
The credit score needed to buy a car varies, but if your score is truly low, you may have a hard time getting a loan from a traditional lender. Buy here, pay here lots specialize in bad credit. Many don’t check credit at all.
As good as that might sound, the easier a loan is to get, the higher the rate usually is. You could see extremely high APRs with in-house financing, as well as excessive dealer fees. What’s more, vehicles at these lots are generally older. An expensive loan coupled with an older model could trap you with an upside-down car loan.
How we calculated average monthly Dodge payments
To calculate average monthly Dodge payments, we found estimated starting MSRPs and the fair purchase price for some of Dodge’s most popular models.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,511 in Q1 2025. For used vehicles, it was $4,078. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Dodge payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q1 2025. You’ll find this data in the tables below. Loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, ZIP code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
Average APRs and loan terms for new car purchases in Q1 2025
Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
---|---|---|---|---|
Average APR | 13.22% | 9.83% | 6.70% | 5.18% |
Average loan term | 73.89 months | 74.76 months | 71.87 months | 64.25 months |
Average APRs and loan terms for used car purchases in Q1 2025
Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
---|---|---|---|---|
Average APR | 18.99% | 13.74% | 9.06% | 6.82% |
Average loan term | 66.07 months | 68.19 months | 68.49 months | 65.65 months |
Frequently asked questions
You could get Dodge finance offers through Chrysler Capital Finance with a score as low as 620. Credit score requirements for banks and online lenders vary.
Some lenders (Carvana, for example), don’t require a certain credit score. Others (like LightStream) only take borrowers with at least good credit.
Yes, Chrysler Capital offers 84-month car loans to “qualified applicants.” Chrysler doesn’t specify all of its approval guidelines, but this usually means you must have at least very good credit (740+).
The easiest car company to get financing from would generally be a buy here, pay here car lot. But just because you can get a loan doesn’t mean you should take it. Buy here, pay here lots usually charge expensive rates, with fees to match.
Instead, you may want to check out a bad credit car loan. These lenders work with borrowers with rocky (or no) credit histories.
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