How to finance a Chrysler

Chrysler is known for its lineup of durable vehicles that bring style for an affordable price. Among 2020 models you can easily keep your budget under $50,000 — far below some of its competitors. Even so, there are several financing options to choose from as well.

How can I finance a Chrysler?

Typically, the most cost-effective way to finance a new Chrysler is through a secured car loan from a bank, credit union or online lender. However, this isn’t the fastest — it can be time-consuming to compare different lenders for the best rates.

Can’t waste much time? Then you may want to consider financing or leasing directly from an authorized Chrysler dealership.

Chrysler Capital financing

Getting a new Chrysler financed through an authorized dealership is one of the fastest and easiest routes, but it can come with higher rates — unless you can get a discount. Current offers include 0% APR financing on several models including the 2020 Chrysler Pacifica and Pacifica Hybrid, as of June 2020.

The local dealership you visit may also have special offers and promotions. And as with any loan, the actual rates you’re offered are based on your financial situation and past credit history.

Chrysler Capital leasing

If you want to switch your car up every few years, you may consider saving money by leasing a car. Although how much you pay will vary based on where you live and which dealership you go to.

Current offers as of June 2020 include leasing the 2020 Chrysler Pacifica Touring at $370 a month for 36 months with no security deposit and $4,749 due at signing — though these offers can vary by location.

Read our review of Chrysler Capital

Special discounts and programs offered by Chrysler

Chrysler offers special deals you’re disabled, an active military member, veteran or affiliate employee, you may be able to take advantage of special discounts and offers. Check out below to see if you may qualify for any of these programs:

• First Responders Bonus Cash. Law enforcement officers, firefighters, EMT and medical professionals can qualify eligible for $500 toward the retail price of some Chrysler vehicles.
• DriveAbility Program. If you have a permanent disability that hinders you from entering, exiting or operating a car on your own, you could qualify to have up to $1,000 reimbursed for the cost of adaptive equipment.
• Military and Veteran Discounts. Veterans and active-duty or retired members of the military may be eligible for $500 cash back. And Chrysler also partners with Military AutoSource (MAS) to provide service members with special discounts and financing rates for new models.
• Affiliate Rewards. Employees of Chrysler partner companies may be eligible to buy or lease new models with preferred pricing — 1% below dealer invoice.
• Conquest Cash. Some Chrysler dealerships offer $500 or $1,000 toward the price of a new vehicle if you switch from a non-Chrysler lease to a Chrysler brand purchase or lease.

See car loan providers

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PenFed Auto Loans			Varies	Starting at 4.89%	3 to 7 years	Active membership with PenFed	One of the largest national credit unions in the U.S., it offers new and used auto financing with transparent low rates.	Go to site More Info	Compare	loading Fetching your data...
Monevo Auto Loans			500	3.99% to 35.99%	3 months to 12 years	Credit score of 500+, legal US resident and ages 18+.	Quickly compare multiple online lenders with competitive rates depending on your credit.	Go to site More Info	Compare	loading Fetching your data...
Caribou			650	5.59% (as low as)	1 to 6 years	18+ years old, US citizen or permanent resident	A car loan connection service for borrowers looking to refinance.	Go to site More Info	Compare	loading Fetching your data...

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What will a new Chrysler cost me?

While prices vary depending on your dealership, where you live and your negotiation skills, a new Chrysler will likely cost between $27,000 and $40,000. However, costs may go up after adding extra features to the vehicle.

Below are the starting manufacturer suggested retail prices (MSRPs) for available Chrysler models:

Pacifica

• Starting MSRP: $31,609
• Build: Minivan
• City/highway MPG: 19/28

Voyager

• Starting MSRP: $26,985
• Build: Minivan
• City/highway MPG: 19/28

300

• Starting MSRP:$29,470
• Build: Sedan
  
• City/highway MPG: 19/30

Pacifica Hybrid

• Starting MSRP: $38,100
• Build: Minivan
• City/highway MPG: 82 MPGemore info button

Car insurance costs that come with driving a Chrysler

Does a new Chrysler come with a warranty?

Yes. All new Chryslers come with a powertrain limited warranty for five years or 60,000 miles — whichever comes first. Services include 24/7 roadside assistance, as well as possible coverage for parts and accessories.

Bottom line

If you’re interested in buying a Chrysler, you have several financing options to choose from — whether cost or speed is your main concern. And you may qualify for special discounts if you’re an employee of a partner company, a veteran, active-duty or retired military member, or have a disability.

Read our guide to car loans to learn more about how they work and compare other options.

Frequently asked questions

• Should I get a new or used Chrysler?

  It depends on your budget and needs. A new car generally has more financing options with lower rates and more flexible terms compared to a used car.

  However, you could save on the price of the vehicle by opting for a preowned Chrysler. These come with a limited warranty that lasts for seven years or 100,000 miles — whichever comes first. This includes repair or replacement of most parts, roadside assistance, a Carfax vehicle history report and a three-month subscription to SiriusXM Satellite Radio.

• Should I buy or lease a Chrysler?

  Owning a car comes with several perks you usually don’t have when leasing, like unlimited mileage and the option to customize your car and sell it in the future.

  However, if you want to switch up what you drive every few years, you’ll usually save money by leasing — but the tradeoff is that you’ll be making monthly payments for the entire duration of the lease and won’t own it at the end.

• Does Chrysler offer discounts to students?

  No. Unlike other car brands, Chrysler doesn’t offer any special discounts or programs for students or college graduates.

Pictures: Getty Images and Chrysler official page

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