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How to finance a Chrysler

Go to the dealership for 0% APR deals — or find low-cost financing with a lender.

Updated

Fact checked

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

    Data indicated here is updated regularly
    Name Product Filter Values Minimum credit score APR Loan term Requirements
    Carvana
    No minimum credit score
    3.9% to 27.9%
    Varies
    18+ years old, annual income of $4,000+, no active bankruptcies
    Get pre-qualified for used car financing and receive competitive, personalized rates.
    car.Loan.com Car Loans
    300
    Varies by network lender
    Varies by lender
    Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
    Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
    CarsDirect auto loans
    Varies by network lender
    Varies by network lender
    Must provide proof of income, proof of residence, and proof of insurance.
    Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
    Auto Credit Express Car Loans
    300
    Varies
    Varies
    Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
    Get connected with an auto lender near you, even if you have bad credit.
    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.
    LightStream Auto Loans
    Good to excellent credit
    Competitive
    2 to 7 years
    Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
    Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
    LendingTree
    Good to excellent credit
    Starting at 3.09%
    Varies by lender
    18+ years old, good to excellent credit, US citizen
    Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
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    Compare up to 4 providers

    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 MPGe

    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

    Pictures: Getty Images and Chrysler official page

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