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?
Use our auto loan calculator to determine how much car you can afford.
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) |
|---|---|---|---|---|---|
| 2026 Ram 1500 | $41,025 | $697.22 | $629.03 | $593.11 | $620.23 |
| 2026 Dodge Durango | $38,995 | $656.79 | $592.55 | $558.71 | $584.26 |
| 2025 Dodge Hornet GT (2026 is delayed due to tariffs) | $29,995 | $477.53 | $430.82 | $406.22 | $424.80 |
| 2026 Dodge Charger (Scat Pack) | $54,995 | $975.47 | $880.07 | $829.81 | $867.75 |
| 2026 Ram 2500 | $45,565 | $787.65 | $710.61 | $670.03 | $700.67 |
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) |
|---|---|---|---|---|---|
| 2020 Ram 1500 | $18,537 | $356.39 | $310.98 | $276.95 | $267.48 |
| 2020 Dodge Durango | $19,435 | $378.37 | $330.16 | $294.03 | $283.98 |
| 2020 Dodge Grand Caravan | $14,634 | $260.86 | $227.63 | $202.71 | $195.79 |
| 2020 Dodge Charger | $17,706 | $336.05 | $293.24 | $261.14 | $252.22 |
| 2020 Dodge Challenger | $16,541 | $307.54 | $268.36 | $238.98 | $230.82 |
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.
Stellantis Financial Services
You have good credit 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 Stellantis Financial Services. Stellantis is the parent company of Dodge, along with other vehicle companies like Chrysler and Jeep.
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 the Stellantis Financial website.
Stellantis Financial Services doesn’t have a published minimum credit score, but if you have a credit score of at least 661, you’re more likely to qualify. That falls under the fair credit band for FICO Scores.
Outside of exclusive Dodge financing specials, other Stellantis Financial Services perks include:
Certified pre-owned vehicles
Dodge offers a certified pre-owned vehicle (CPOV) program. All vehicles must pass a rigorous 125-point 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. This covers 5,000 vehicle parts and comes with a $100 deductible for eligible car repairs. You can get a longer warranty by upgrading your coverage.
Military and First Responders Bonus Cash
Dodge offers a bonus cash allowance of $500 to first responders (law enforcement, firefighters, EMTs, paramedics, etc). This deal only applies to select 2024, 2025 and 2026 Dodge vehicles.
DriveAbility Program
The Stellantis 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 get adaptive equipment for your Dodge. Some examples of adaptive equipment include driving controls, scooter hoists and custom running boards.
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 U.S. law, federal credit unions can’t charge APRs higher than 18%.
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 take longer to process and approve loans, whereas dealer financing options are geared toward immediate approval. 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.
One of the advantages of shopping for an online loan is that it’s easy to comparison shop among lenders and gather several preapproved car loans before you even set foot on a dealer lot.
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 your 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. MSRPs and fair purchase prices are based on data available at the time of writing, as they change frequently.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. 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 Q2 2025. You’ll find this data in the tables below. Please note that 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.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.38% | 9.97% | 6.78% | 5.27% |
| Average loan term | 74.08 months | 75.03 months | 72.10 months | 64.57 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 18.90% | 13.95% | 9.39% | 7.15% |
| Average loan term | 66.35 months | 68.11 months | 68.43 months | 65.63 months |
Frequently asked questions
Stellantis Financial Services, which handles Dodge financing, doesn’t publish its minimum credit score requirement.
Some lenders (such as Carvana, for example) don’t require a minimum credit score. Others, like LightStream, only take borrowers with at least good credit.
Yes, Stellantis Financial may offer 84-month car loans to eligible applicants who purchase certified pre-owned vehicles. Stellantis doesn’t specify all of its approval guidelines, but the CPO Dodge will need to be:
- Financed through Stellanic Financial Services
- A 2023 model or newer
- Less than 45,000 miles
- Worth at least $20,000
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 high fees to match.
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