How to finance a Fiat

Fiat has been producing cars for nearly 120 years. If you’re looking to invest in one, compare your financing options and learn more about Fiat’s warranties and car-buying programs.

How can I finance a Fiat?

If you’re on the hunt for the most competitive rate and aren’t pressed for time, you might want to consider a secured car loan from a bank, credit union or online lender. Many car loan providers allow you to fill out a prequalification form to get an idea of what rates and terms you might qualify for — giving you bargaining power when you visit a dealership. Or if you don’t want to use the car you’re buying as collateral, you could also opt for an unsecured personal loan. These typically come with higher rates, though, since they pose more risk to the lender.

Rather keep things simple and fast? It may be easier to finance or lease your Fiat directly through an authorized dealership:

• Fiat dealership financing. Fiat offers financing through Chrysler Capital. While deals vary based on where you live, current offers include a cash allowance of up to $3,250 on the 2019 Fiat 500X Trekking AWD or 0% APR financing for three years on the 2019 Fiat 124 Spider Abarth.*
• Fiat dealership leasing. Fiat’s lease options are also available through Chrysler Capital. Well-qualified lessors may be eligible to lease the 2019 Fiat 124 Spider Classica for $367 a month for three years with $4,149 due at signing.*

^{*Rates as of June 14, 2019.}

As with any type of credit, the rates and terms you qualify for will depend on your creditworthiness and personal financial situation.

Read our review of Chrysler Capital

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PenFed Auto Loans			Varies	Starting at 1.79%	3 to 7 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
CarsDirect auto loans			No minimum credit score	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.	Go to site More Info	Compare	loading Fetching your data...
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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...
LendingTree			Good to excellent credit	Starting at 0.99%	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.	More Info	Compare	loading Fetching your data...
myAutoloan.com Car Loans			550	Starting at 1.89%		550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old	Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.	Go to site More Info	Compare	loading Fetching your data...

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Does Fiat offer special discounts or programs?

Fiat offers two main discounts: a $500 cash bonus for active military members and recent veterans, as well as a $1,000 reimbursement for the installation of adaptive driver or passenger equipment for people with disabilities. Fiat also has an Affiliate Rewards program that allows employees of Fiat’s partner companies to finance or lease a vehicle at 1% below dealer invoice.

What will a new Fiat cost me?

Fiat’s 2019 base models start at around $16,500 and go as high at $33,000 — not including any extra features or warranties. How much you ultimately pay will depend on any special offers or discounts available at your local dealership as well as your negotiation skills.

Here are the manufacturer suggested retail prices (MSRPs) for Fiat’s five 2019 models:

500

• Starting MSRP: $16,245
• Build: Hatchback
• City/highway MPG: 28/33

500L

• Starting MSRP: $22,160
• Build: Crossover
• City/highway MPG: 22/30

500X

• Starting MSRP: $24,740
• Build: Crossover
• City/highway MPG: 24/30

124 Spider

• Starting MSRP: $25,440
• Build: Sports car
• City/highway MPG: 26/35

500e

• Starting MSRP: $33,210
• Build: Hatchback
• City/highway MPG: 121/103 MPGe

Car insurance costs that come with driving a Fiat

Does a new Fiat come with a warranty?

Yes. A new Fiat comes with either a five-year, 50,000-mile powertrain warranty or a four-year, 50,000-mile basic warranty. You can also select one of the following options to extend your coverage:

• MVP Maximum Care plans. Fiat’s Maximum Care plans cover your vehicle for up to eight years or 125,000 miles — whichever comes first. There’s a low $100 deductible, and you’ll also have access to $35 a day car rental service and up to $100 for towing and roadside assistance — just keep in mind these extra features expire at 100,000 miles.
• Added Care Plus. Fiat’s Added Care Plus plan is similar to its Maximum Care plans, but you can select your deductible and the length of coverage. You vehicle is eligible to apply for this service provided it’s still covered by its initial warranty.
• Guaranteed Automotive Protection (GAP). GAP coverage is an optional service intended to help when your insurance doesn’t cover the full amount you owe on your financing after your vehicle is deemed a total loss.

Bottom line

Financing or leasing directly through Fiat can make it easy to complete the car-buying process in one sitting. But if you’re interested in finding the best deal out there, you might want to explore your car loan options first so you have some negotiating power when you visit the dealership.

Frequently asked questions

• What are my options for a used Fiat?

  On its website, Fiat has a used vehicle search tool that allows you to find a nearby Fiat based on model, year, price, mileage and distance from your location. This is a certified preowned (CPO) program that covers your used vehicle with a seven-year, 100,000-mile powertrain limited warranty and other features like roadside assistance and car rental allowance.

• Is it best to buy or lease a new Fiat?

  It depends on your needs. Fiat offers relatively low monthly payments for well-qualified borrowers looking to lease for a short period, which can be useful if you plan on upgrading to a new model every few years. But if you plan on sticking with your Fiat for the foreseeable future, financing is generally the more cost-effective option.

• Why does Fiat use Chrysler Capital for its financing?

  Fiat is part of Fiat Chrysler Automobiles (FCA), which includes five major car brands: Chrysler, Dodge, Fiat, Jeep and Ram. Because of this, in-house financing for all five manufacturers is done through Chrysler Capital.

Pictures: Fiat USA official page