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How to finance a Jeep

Unlock starting MSRPs, cashback programs and more.

With its off-road capabilities, Jeep is a popular car brand for those who love the outdoors and spend a lot of time navigating trails. If you’re ready to pick up a new SUV fit for adventure, you have a slew of financing options to choose from.

How can I finance a Jeep?

From car loans and personal loans to financing directly through a dealer, you have options when it comes to buying a new Jeep. While dealership financing tends to be the quickest, a car loan from a bank, credit union or online lender may get you better rates and terms. Comparing car loans before you walk into a Jeep dealership not only lets you lock down a potentially lower APR, but it also lets you know exactly how much you can spend on your new car. This can help guide you toward a Jeep you can afford and keep you from getting talked into unnecessary add-ons. A personal loan is another way for you to pay for your new Jeep, though you likely won’t find as competitive rates and terms since your loan won’t be secured by the car you’re buying.

Since it can take a few days to compare lenders and fill out preapproval forms, buyers on a time crunch may want to consider financing directly through Jeep’s parent company, Fiat Chrysler Automobiles (FCA).

  • Financing through Chrysler Capital. You can finance your dream SUV directly through an authorized Jeep dealer through Chrysler Capital. Past offers have included up to $2,250 cash back on select models or 0% financing for five years with up to $1,000 bonus cash for the 2019 Jeep Cherokee.*
  • Leasing through Chrysler Capital. If you’re interested in switching things up every few years, you might want to consider leasing through Chrysler Capital. Past lease offers for the 2019 Jeep Cherokee Limited 4×4 have included monthly payments of $199 for three years and $4,349 due at signing.*

The promotions available to you will vary based on where you live, your local dealership and your personal financial situation.

*Rates as of November 26, 2018

Read our review of Chrysler Capital

Compare car loans for financing a Jeep

Name Product Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Starting at 1.79%
3 to 7 years
Active membership with PenFed
Low APR car loans from a well-known credit union.
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
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
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.
Auto Credit Express Car Loans
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
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.
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. Car Loans
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.

Compare up to 4 providers

Does Jeep offer special discounts or programs?

Jeep offers two incentive programs to military servicemembers and drivers with permanent disabilities.

  • Jeep military program. If you’re an active-duty or retired servicemember, reservist or have been honorably discharged in the past year, you may be eligible for $500 bonus cash on select 2018 and 2019 Jeep models. This offer applies to both purchases and leases.
  • FCA automobility program. Drivers with permanent disabilities may qualify for a cash reimbursement of up to $1,000 for the cost of installing adaptive driver or passenger equipment. The updates must be made within the first six months of financing or leasing your new car.

What will a new Jeep cost me?

A new Jeep from the 2019 model year typically costs $22,000 to $33,000. But the actual price you pay will depend on your negotiation skills and any customization you choose to add onto your car.


  • Starting MSRP: $22,095
  • Build: SUV
  • City/highway MPG: 23/32


  • Starting MSRP: $22,275
  • Build: SUV
  • City/highway MPG: 24/31


  • Starting MSRP: $25,740
  • Build: SUV
  • City/highway MPG: 22/31


  • Starting MSRP: $27,945
  • Build: SUV
  • City/highway MPG: 17/25

Grand Cherokee

  • Starting MSRP: $32,195
  • Build: SUV
  • City/highway MPG: 19/26


  • Starting MSRP: $33,545
  • Build: SUV
  • City/highway MPG: 16/23

Insurance costs that come with driving a Jeep

Does a new Jeep come with a warranty?

Yes, all 2019 Jeep models come with a three-year, 36,000-mile limited warranty. It covers the cost of all parts and labor needed to repair your vehicle due to defects caused by faulty material, workmanship or factory preparation. However, your brakes, wiper blades, clutch discs, windshield, rear window and wheel alignment only have a one-year, 12,000-mile limited warranty.

Your new Jeep also comes with two other warranties:

  • Corrosion warranty. Your sheet metal panels are covered for three years, while your outer-body sheet metal panels are covered for five years. There’s no mileage restriction for this warranty.
  • Powertrain warranty. This covers all parts and labor costs needed to repair the powertrain. It lasts for either five years or 60,000 miles, whichever comes first.

You can have your Jeep serviced at any authorized Chrysler, Dodge, Jeep or Ram dealer. If you’re looking for warranties for previous model years, you can find more details on Jeep’s website.

Bottom line

Jeep is known for its durable vehicles that can zip between the city and countryside with ease. Luckily, you have several financing options to get behind the wheel of one of these popular SUVs — from a car loan to financing directly through Chrysler Capital. And you may be able to score a cashback bonus if you’re a military servicemember or plan to install adaptive equipment on your new vehicle.

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

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