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How to finance a Jeep

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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.

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    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

    Compare car loans for financing a Jeep

    Rates last updated December 16th, 2018

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Term of Loan Requirements
    car.Loan.com Car Loans
    Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
    300
    Varies by lender
    Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
    Auto Credit Express Car Loans
    Get connected with an auto lender near you, even if you have bad credit.
    300
    Typically 3 to 6 years
    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.
    LightStream Auto Loans
    Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
    Good to excellent credit
    Flexible terms
    Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
    RateGenius Auto Loan Refinance
    Connect with a network of over 150 lenders to refinance your car loan.
    510
    Varies
    Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
    LendingClub Auto Refinancing
    Lower your monthly car payments and save on interest through a fast and easy online application process.
    Fair or better credit
    Minimum of 2 years
    Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
    MotoRefi Car Loan Refinancing
    A car loan connection service for borrowers looking to refinance.
    525
    1–6 years
    Must have an income of at least $2,000/month and have a vehicle with less than 100,000 miles.
    LendingTree Auto Loans
    Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
    Good to excellent credit
    Typically 1 to 7 years
    Must be a US citizen and 18+ years old. Must have good to excellent credit.

    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?

    When negotiating the cost of your new Jeep, it helps to keep the manufacturer suggested retail price (MSRP) in mind. Here’s what you can expect to pay for the latest Jeep models on the market today.

    ModelStarting MSRPBodyCity/highway MPG
    2018 Jeep Renegade Sport$18,750SUV24/31
    2018 Jeep Compass Sport$21,095SUV23/32
    2018 Jeep Wrangler JK Sport$23,995SUV17/21
    2019 Jeep Cherokee Latitude$24,545SUV22/31
    2018 Jeep Wrangler Sport$27,945SUV17/25
    2019 Jeep Grand Cherokee Laredo$31,695SUV19/26

    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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    Kellye Guinan

    Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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