Jeep Financing: What To Know in 2025
Are you ready for Jeep life but aren’t sure the best way to pay for it? That’s where we can help. We’ve broken down your Jeep financing options here. If you’ve already shopped for loans, you can also use this study to compare your offers to the average Jeep payment.
How do your Jeep payments compare to the average?
We conducted a study to estimate monthly Jeep payments for borrowers of different credit bands. Here’s how to use our study to help you shop for a good deal on a Jeep loan:
1. Find your credit score. Not sure what it is? Get your score for free with LendingTree Spring.
2. Find your car model and credit band. Find the Jeep model you want and the credit band that you most closely match with in the tables below.
3. Use the data. You can use the number in our monthly payment to estimate how much your car payment will be. If you already have a quote, compare it to the monthly payment in our study to see if you’re getting a good deal.
These average monthly payments are based on the manufacturer’s suggested retail price (MSRP). We did not factor in any dealer fees, title transfer fees or add-ons.
Some borrowers with excellent credit have higher monthly payments because people with higher credit scores typically choose shorter loan terms. Shorter loan terms result in a higher monthly payment but less overall interest.
Learn more about how we calculated average monthly Jeep payments.
Estimated average monthly payments for new Jeeps
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 Jeep Grand Cherokee | $36,495 | $585.61 | $532.12 | $502.56 | $525.43 |
2025 Jeep Wrangler 4xe | $50,695 | $866.17 | $787.05 | $743.34 | $777.16 |
2025 Jeep Compass | $26,900 | $396.03 | $359.86 | $339.87 | $355.33 |
2025 Jeep Gladiator | $38,695 | $629.08 | $571.62 | $539.87 | $564.43 |
2025 Jeep Wagoneer | $59,945 | $1,048.93 | $953.12 | $900.19 | $941.14 |
Estimated average monthly payments for used Jeeps
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 Jeep Grand Cherokee | $16,661 | $307.89 | $269.10 | $240.11 | $231.66 |
2019 Jeep Wrangler | $19,651 | $381.88 | $333.77 | $297.82 | $287.33 |
2019 Jeep Compass | $12,856 | $213.73 | $186.80 | $166.68 | $160.81 |
2020 Jeep Gladiator* | $27,138 | $567.15 | $495.70 | $442.30 | $426.73 |
2019 Jeep Renegade | $12,919 | $215.29 | $188.17 | $167.90 | $161.99 |
*Please note that data is based on model year 2020 as Jeep did not release the Gladiator in 2019.
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Jeep finance options
Most people would agree that getting a car loan is a drag (at least, compared to picking out your new ride). Even so, a little research could help you find Jeep Financing with the lowest rate.
Stellantis Financial Services
You qualify for 0% APR (annual percentage rate) or want to buy certified pre-owned.
You can get a car loan straight from Jeep itself. This is called manufacturer or captive financing. Jeep’s financing arm is Stellantis Financial. This is a fairly new change. In prior years, Jeep financed through Chrysler Capital.
If you want a 0% APR car deal, manufacturer financing is where you should focus. When they’re available, it’s usually around major holidays or at the end of the year. You can see what offers and deals are available on Stellantis Financial Service’s website.
Annual percentage rates (APRS) depend on your ZIP code. Use Stellantis’ find a dealer tool. Then, you should be able to get a preapproved car loan or apply on the dealer’s website.
Dealers and manufacturers don’t usually specify what credit scores they require. You might qualify with fair credit, but you usually need 740+ to get a special financing offer (like 0% APR).
You might also be a good fit to purchase or lease through Stellantis Financial Services if you’re looking for:
Certified pre-owned vehicles
Before they hit the lot, Jeep’s certified pre-owned cars undergo a 125-point inspection. They also come with a free CARFAX™ report for added peace of mind. Once certified, these Jeeps get a seven-year, 100,000-mile warranty.
Bonus cash for first responders and eligible military
You could get a $500 rebate on certain new Jeeps if you’re a first responder. Active duty military, retired military and disabled vets can also get $500 off select 2023 and 2024 models.
Car warranties
New and certified pre-owned Jeeps come with a limited vehicle warranty. This generally covers damages and defects caused by factory-installed parts.
If you’re buying a 2020 or newer, you can round out your coverage by adding a Lifetime Certified Warranty Upgrade. Depending on the package, you could get extra protection for your car’s mechanical components, trip interruption coverage and more.
DriveAbility Disability Assistance Program
The DriveAbility Disability Assistance Program offers a $1,000 reimbursement for installing adaptive equipment in your brand new Jeep. A doctor’s note might be required, but eligible drivers can use this money to install running boards, driving controls and more.
Bank and credit union auto loans
Your bank or credit union offers an interest rate discount for current members.
Chances are that your bank or credit union offers auto loans. You might even qualify for an APR discount for both banking and borrowing.
Some banks and credit unions also have a car-buying service. Using this service could net you an additional rate reduction, and you might get a discount on your Jeep, too.
Credit score requirements for bank and credit union auto loans vary by institution. In general, banks require at least good credit. Credit unions, on the other hand, are member-owned nonprofits. As a result, some (such as Consumers Credit Union) work with those with less-than-perfect credit.
Online auto loans
You want to compare loan offers, whether you have excellent credit or bad.
Online auto loans can be a good fit for most people. If you have excellent credit, you could get rates that are on par with a traditional auto loan. If you have bad credit, there’s likely an online lender that can accommodate.
Plus, you can get prequalified or preapproved with most online auto lenders in just a few minutes. You might even qualify for an instant auto loan.
Comparing finance offers may be just as important as comparing Jeep prices. Otherwise, how do you know that you’re getting the best rate?
In-house financing
You have bad credit, have exhausted every other option and don’t mind buying an older model Jeep.
If you’ve driven past a buy here, pay here car lot, then you might be familiar with in-house financing. With this, the dealership itself loans you money to buy a car rather than a lender or bank.
Buy here, pay here car lots have loose requirements — some don’t check your credit at all. However, the easier a loan is to get, the more expensive it usually is. In-house financing can come with outrageous APRs, with dealer fees to match.
In-house financing can be tempting if you’re trying to get a car loan with no credit history. You might be better off applying for a bad credit car loan instead. Although you’ll still pay higher rates than someone else with better credit, these loans are typically cheaper than in-house financing.
How we calculated average monthly Jeep payments
To calculate average monthly Jeep payments, we found estimated starting MSRPs for some of the most popular Jeep models.
Then, we subtracted an average down payment from each MSRP. According to Edmunds, the average down payment on a new vehicle was $6,856 in Q4 2024. For used vehicles, it was $4,219. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Jeep payments using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q4 2024. 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 | 13.08% | 9.59% | 6.40% | 4.77% |
Average loan term | 73.54 months | 74.27 months | 71.15 months | 63.56 months |
Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
---|---|---|---|---|
Average APR | 19.38% | 14.46% | 9.95% | 7.67% |
Average loan term | 66.19 months | 68.07 months | 68.39 months | 65.54 months |
Frequently asked questions
Jeep finances its loans through Stellantis Financial Services. This is a recent change — in the past, it financed through Chrysler Capital.
Jeep financing depends on where you live and promotional sales events. The only way to see what rates you could qualify for with Stellantis is by going through an authorized dealer. You should be able to apply for financing on your preferred dealer’s website.
At the time of this writing, Stellantis Financial Services is offering 0% APR for 36 months on the 2024 Wrangler and 0% APR for 72 months on the 2024 Wrangler 4xe.
Aim to make a car down payment of at least 20%, whether you’re buying a Jeep or another brand of car. The more you can pay, the better — larger down payments usually mean a cheaper car loan.
For more information, check out the 20/4/10 rule for car buying.
Currently, Stellantis is offering Jeep 0% financing for 72 months on the 2024 Wrangler 4xe (in select areas). Keep an eye on your local Jeep dealership during holidays and at the end of the year. These are the times when 0% APR deals are most common.
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