Where to send your Chrysler Capital payment
Chrysler Capital is the captive finance company owned by Stellantis (formerly Fiat Chrysler Automobiles). If you financed a Chrysler, Dodge, Jeep, or Ram vehicle through them, you have several ways to send a payment: online through your account, by phone, by mail, or in person at a Chrysler dealership.
The fastest and most direct route is logging into your Chrysler Capital account online at chryslercapital.com. You can set up a one-time payment or schedule recurring payments from there. If you do not have an online account yet, you can create one using your loan number and personal information.
Your loan documents and monthly statement both list a mailing address if you prefer to send a check. That same statement shows a phone number you can call to make a payment by phone — usually a toll-free number. Some dealerships will also accept payments in person, though this is less common and you should confirm first.
Key Takeaways
- You can pay Chrysler Capital online at chryslercapital.com, by phone using the number on your statement, by mailing a check to the address on your statement, or sometimes in person at a Chrysler dealership.
- Online payments typically process within one to two business days, while mailed checks may take longer depending on mail delivery and processing time.
- Your monthly statement shows your payment due date, the amount due, and all the payment methods available to you.
- If you are having trouble making a payment, contact Chrysler Capital directly before your due date to discuss your options.
Setting up an online account and making your first payment
To pay online, go to chryslercapital.com and select the option to log in or create an account. You will need your loan number (found on your statement or in your loan paperwork) and your personal information such as your Social Security number or date of birth to verify your identity.
Once logged in, you can view your loan balance, payment history, and due date. The payment screen will ask you to choose a payment method — usually a bank account (ACH transfer) or debit card. Bank account transfers are often free, while debit card payments may carry a small fee. The site will show you any fees before you confirm.
After you enter the payment amount and confirm, you will see a confirmation number. Write this down or take a screenshot. The payment will post to your account within one to two business days, though it may show as pending when ready.
Paying by phone or mail
To pay by phone, call the number listed on your monthly statement. A representative will ask for your loan number and the amount you want to pay, then guide you through providing your bank account or card information. Phone payments typically process the same day or next business day.
If you prefer to mail a check, write your loan number on the check itself. Send it to the mailing address shown on your statement. Include a copy of your payment coupon (the stub from your statement) if one was provided — this helps the payment reach the right account faster. Mail payments can take one to two weeks to process depending on mail delivery and Chrysler Capital's processing time.
Keep a record of any payment you make — a confirmation number from online, a receipt from a phone payment, or a copy of a mailed check. If a payment does not show up in your account within the timeframe you were given, you will have proof that you sent it.
Understanding payment due dates and late fees
Your payment due date appears on your monthly statement and in your online account. Chrysler Capital typically considers a payment late if it arrives after this date. Late payments can result in a fee (the amount varies by your loan agreement) and may be reported to credit bureaus, which can lower your credit score.
If you know you cannot pay by the due date, contact Chrysler Capital before that date. Depending on your loan and payment history, they may be able to work with you on a modified payment plan, a deferment (postponing a payment), or a forbearance (temporarily reducing payments). These options are not may provide, but asking before you miss a payment is always better than missing it and then calling.
Your loan agreement spells out the exact late fee amount and when it applies. Review this document or ask Chrysler Capital directly if you are unsure what the fee is.
What to do if you cannot find your account information
If you have lost your loan number or cannot remember your online password, call Chrysler Capital's customer service line. The number is on any statement you have received, or you can search for "Chrysler Capital customer service" to find the current number. Have your vehicle identification number (VIN) and personal information ready — they will use these to look up your account.
If you have recently purchased a vehicle and financed it through Chrysler Capital but have not yet received a statement or set up an online account, contact them to confirm your loan is in the system. Sometimes there is a delay between when you sign the paperwork at the dealership and when your account becomes active online.
Automatic payments and payment scheduling
Most people set up automatic payments so they do not have to remember to pay each month. Through your online account, you can authorize Chrysler Capital to withdraw your payment automatically on a date you choose — usually a few days before your due date. This removes the risk of forgetting and incurring a late fee.
You can change or cancel an automatic payment at any time through your online account or by calling customer service. If you cancel, make sure you have a plan to pay manually, or you may miss your due date. If you are paying off your loan early or making extra payments, automatic payments can be set for your regular payment amount while you make additional payments separately.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and phone payments typically show within one to two business days. Mailed checks can take one to two weeks depending on mail delivery and processing. If you are close to your due date, online or phone payment is faster and safer.
Can I pay more than my monthly payment amount?
Yes. You can pay extra toward your principal balance at any time, which will reduce the total interest you pay over the life of the loan and help you pay it off faster. Make sure the extra amount is clearly marked as going toward principal, not just applied as an early next payment.
What happens if I pay late?
A late fee will be added to your account according to your loan agreement. The payment will also be reported to credit bureaus if it is significantly late (usually 30 days or more), which can lower your credit score. Contact Chrysler Capital before your due date if you think you will be late.
Do I need to create an online account to make a payment?
No. You can pay by phone or mail without an online account. However, an online account makes it easier to track your balance, see your payment history, and make payments on your schedule without calling or mailing.
Is there a fee to pay online?
Paying from a bank account (ACH transfer) is usually free. Paying with a debit or credit card may have a fee, which Chrysler Capital will show you before you confirm the payment. Check the fee before you choose your payment method.