Jeep Financing: What To Know in 2026
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 guide to compare your offers to the average Jeep payment.
How do your Jeep payments compare to the average?
Use the LendingTree auto loan calculator to determine how much car you can afford.
We analyzed data from trusted sources like Edmunds and Experian to estimate average Jeep monthly payments based on credit score. Here’s how to get started.
- Check your credit. You’ll need to know your credit score to get the most out of our study. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. First find your credit score and Jeep model in the tables below. Then compare your quotes against 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 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) |
|---|---|---|---|---|---|
| 2026 Jeep Compass | $28,995 | $457.12 | $410.53 | $386.32 | $402.95 |
| 2026 Jeep Grand Cherokee | $35,000 | $576.60 | $517.83 | $487.29 | $508.27 |
| 2026 Jeep Gladiator | $38,830 | $652.80 | $586.26 | $551.69 | $575.44 |
| 2026 Jeep Wrangler | $49,895 | $872.95 | $783.98 | $737.74 | $769.50 |
| 2026 Jeep Wagoneer | $63,240 | $1,138.47 | $1,022.43 | $962.14 | $1,003.55 |
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) |
|---|---|---|---|---|---|
| 2020 Jeep Compass | $12,765 | $213.78 | $188.46 | $166.47 | $162.63 |
| 2020 Jeep Renegade | $13,447 | $230.37 | $203.08 | $179.38 | $175.25 |
| 2020 Jeep Grand Cherokee | $16,965 | $315.94 | $278.51 | $246.02 | $240.35 |
| 2020 Jeep Wrangler | $22,566 | $452.18 | $398.61 | $352.10 | $343.99 |
| 2020 Jeep Gladiator | $24,978 | $510.85 | $450.33 | $397.78 | $388.62 |
Jeep finance options
Getting a car loan probably isn’t as fun as picking out your new ride, but 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 directly from Jeep. This is called manufacturer or captive financing. Jeep’s financing arm is Stellantis Financial.
If you want a 0% APR car deal, manufacturer financing is probably your best bet. 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 the Stellantis Financial Services website.
To compare annual percentage rates (APRs), use the Stellantis Find a Dealer tool. From there, you can get preapproved for a car loan or apply on the dealer’s website. Dealers and manufacturers don’t usually specify their required minimum credit scores.
You might qualify for a loan with fair credit, but you’ll likely need a very good credit score (740+) to get a special financing offer like 0% APR. Some manufacturers may even require a credit score as high as 800.
Financing programs and incentives
You could get a $500 discount on certain 2024, 2025 and 2026 Jeeps if you’re a first responder. That includes law enforcement, fire and medical personnel.
Also, the Stellantis DriveAbility Disability Assistance Program offers a $1,000 reimbursement for installing adaptive equipment in a new Jeep. A doctor’s note might be required, but eligible drivers can use this money to install alerting devices, running boards 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 being a valued member.
Some banks and credit unions also offer car-buying services. That could get you an additional rate reduction — and you might score a discount on your Jeep too.
Credit score requirements for bank and credit union auto loans vary. Banks tend to have stricter eligibility criteria. Credit unions, on the other hand, are member-owned nonprofits. As a result, they may be more willing to work with borrowers with less-than-perfect credit.
Online auto loans
You want to compare multiple offers or have fair to bad credit.
Online auto loans can be a good fit for some borrowers. If you have excellent credit, you could get rates that are on par with a traditional auto loan. And if your credit could use some work, 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 can be just as important as comparing Jeep prices. Otherwise, you could end up spending more money in the long run.
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. This is when 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. But 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 may 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. You’ll still pay higher rates than someone with better credit, but 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 and the fair purchase price for some of Jeep’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 Jeep payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 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 | 13.34% | 9.77% | 6.51% | 4.88% |
| Average loan term | 74.30 months | 75.03 months | 72.01 months | 64.80 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 19.00% | 14.11% | 9.65% | 7.43% |
| Average loan term | 66.58 months | 68.30 months | 68.54 months | 65.86 months |
Frequently asked questions
Jeep finances its loans through Stellantis Financial Services. Some borrowers can qualify for 0% APR for a limited time.
Jeep financing depends largely on your credit score, the model you’re buying, how much you’re borrowing and local dealer sales events. You can reach out to an authorized Jeep dealer to get a more accurate idea. 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 no payments for 90 days on select 2024, 2025 and 2026 Jeep vehicles.
Making a car down payment of at least 20% on a new car (or 10% on a used car) is ideal, whether you’re buying a Jeep or another brand. The more you can pay upfront, the less you’ll need to borrow. That can translate to a cheaper car loan with a lower monthly payment.
For more information, check out the 20/4/10 rule for car buying.
At the time of this writing, Jeep is offering 0% financing for 72 months on the 2025 Wagoneer S (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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