What Stellantis car payments are and who makes them
Stellantis is the parent company that owns Jeep, Ram, Chrysler, Dodge, Fiat, Alfa Romeo, Peugeot, Citroën, and Opel. If you financed a vehicle through one of these brands, your monthly payment goes to the financing arm of Stellantis — usually Chrysler Capital or a bank that bought your loan after the dealership closed the deal.
Your payment is not sent directly to Stellantis corporate. Instead, you send it to the lender named on your loan documents — the entity that actually loaned you the money. That lender may be Chrysler Capital (owned by Stellantis), a third-party bank, or a credit union. The dealership arranged the financing, but they do not collect your payments.
Understanding who you actually owe money to matters because that is who you contact with questions, who processes your payment, and who can work with you if you fall behind. Your loan documents spell out the exact lender name and payment address.
Key Takeaways
- Stellantis owns multiple car brands, and your payment goes to the lender listed on your loan documents, not to Stellantis itself.
- Chrysler Capital is the in-house financing option for Stellantis vehicles, but many dealerships use third-party banks or credit unions instead.
- You can make payments online, by phone, by mail, or through automatic withdrawal, depending on which lender holds your loan.
- If you are struggling with payments, contact your lender directly before you miss a payment — they may offer deferment, forbearance, or a loan modification.
- Your loan documents contain the lender's contact information, payment address, and the terms of your loan, including interest rate and payoff date.
How to find your lender and make a payment
The first step is to locate your loan documents — the paperwork you signed at the dealership. Look for the promissory note or the loan agreement. It will show the lender's name, your account number, and the payment address or online portal where you send money.
If you financed through Chrysler Capital, you can set up an online account at their payment portal or call their customer service line. The phone number appears on your monthly statement. If your loan was sold to another bank or credit union, your statement will show that lender's name instead. Many lenders allow you to pay online, by automatic bank transfer, by phone, or by mailing a check.
Set up automatic payments if possible — they reduce the risk of missing a due date and often come with a small interest rate reduction from some lenders. If you pay by mail, send your payment at least one week before the due date to account for postal delays.
What happens if you miss a payment
Missing a car payment triggers a chain of events. Your lender will typically contact you by phone or mail within a few days. If you are more than 30 days late, the missed payment appears on your credit report and begins to damage your credit score. Late fees also accrue — the amount depends on your loan terms.
If you fall 60 to 90 days behind, your lender may offer you options like a loan modification (changing the terms to lower your monthly payment), forbearance (temporarily pausing or reducing payments), or a deferment (pushing missed payments to the end of the loan). These options vary by lender and your situation.
If you reach 120 days late, your lender can begin repossession proceedings. This means they can legally take the vehicle back. Once repossessed, the car is sold at auction, and you still owe the difference between what it sells for and what you owe — called a deficiency. Repossession also severely damages your credit for years.
Contacting your lender before you fall behind
If you see a payment coming that you cannot make, call your lender before the due date. Do not wait until you are late. Lenders have more options to help you if you reach out proactively. Explain your situation honestly — job loss, medical emergency, reduced hours — and ask what programs they offer.
Many lenders have hardship programs that do not require you to miss a payment first. You might be able to defer a payment, reduce your payment temporarily, or extend your loan term to lower the monthly amount. Some programs are temporary (lasting a few months), while others can be permanent changes to your loan.
Get the name of the person you spoke with, the date, and any agreement in writing. If the lender offers a modification or deferment, ask them to send you the new terms in writing before you sign anything. This protects you if there is a dispute later.
Understanding your loan terms and interest rate
Your loan documents show your interest rate, the loan term (usually 36, 48, 60, or 72 months), and the total amount financed. The interest rate determines how much of each payment goes toward interest versus the principal (the amount you actually borrowed). A higher rate means more of your payment goes to interest, and you pay more total over the life of the loan.
If you financed through a dealership, the rate you received depends on your credit score, credit history, and the lender's current rates. Chrysler Capital and third-party lenders use different formulas, so rates vary. You cannot change your rate after the loan closes unless you refinance with a different lender.
Your monthly statement shows how much of your payment goes to principal and how much to interest. Early in the loan, most of your payment covers interest. As you pay down the principal, more of each payment goes toward what you actually owe.
Refinancing a Stellantis vehicle loan
If your interest rate is high or your monthly payment is unaffordable, you may be able to refinance with a different lender — a bank, credit union, or online lender. Refinancing means taking out a new loan with a new lender to pay off your existing Stellantis loan. You then make payments to the new lender instead.
Refinancing makes sense if you can get a lower interest rate, a longer loan term (which lowers the monthly payment), or both. It does not make sense if you are deep underwater on the loan (owing more than the car is worth) or if the new lender charges high fees that eat up your savings.
To refinance, contact banks or credit unions and ask for a rate quote. They will run a credit check and tell you what rate they can offer. Compare the new monthly payment, the total interest you would pay, and any fees. If the numbers work, the new lender pays off your old loan directly, and you start making payments to them.
What to do if your vehicle is repossessed
If your vehicle is repossessed, contact your lender when ready. You may have a short window — usually 10 to 30 days depending on your state — to reclaim the car by paying the full amount owed plus repossession and storage fees. This is called redemption, and it is your right in most states.
If you cannot redeem the vehicle, the lender will sell it at auction. You will receive a notice showing the sale date and location. After the sale, you owe the deficiency — the gap between what the car sold for and what you still owed. Some states allow lenders to pursue a deficiency judgment, which means they can sue you for the remaining balance and garnish your wages.
A few states prohibit deficiency judgments on car loans, meaning you cannot be sued for the shortfall. Check your state's laws or ask your lender whether deficiency judgments are allowed where you live.
Frequently Asked Questions
Where do I send my Stellantis car payment?
Check your loan documents or monthly statement for the lender's name and payment address. If you financed through Chrysler Capital, payments go to their address or online portal. If another lender holds your loan, send payments to them. Never send money to a Stellantis dealership or corporate office — they do not collect payments.
Can I lower my monthly payment without refinancing?
Contact your lender and ask about loan modification or forbearance programs. Some lenders will extend your loan term (spreading payments over more months) or temporarily reduce your payment if you are facing hardship. These options do not require you to refinance with a new lender, but they do change your loan terms.
What is the difference between Chrysler Capital and other lenders?
Chrysler Capital is Stellantis's in-house financing company. Other lenders are third-party banks or credit unions that bought your loan after the dealership closed the deal. The lender's name on your documents tells you who to contact. Rates, terms, and customer service vary by lender.
How do I know if my loan was sold to another lender?
Your monthly statement shows the current lender's name and payment address. If the name changed from your original loan documents, your loan was sold. The lender must notify you in writing when this happens, usually with instructions for where to send future payments. If you are unsure, call the number on your statement and ask.
What happens if I pay off my loan early?
You can pay off your loan at any time without penalty — federal law prohibits prepayment penalties on car loans. Paying early saves you interest because you stop accruing it once the loan is closed. Contact your lender for the exact payoff amount, which includes any interest owed through the payoff date.