Where and how to pay your Stellantis auto loan
Stellantis Financial Services handles payments for vehicles sold under the Stellantis brands, which include Jeep, Ram, Chrysler, Dodge, and Fiat. You can make a payment through their online portal, by phone, by mail, or through automatic bank transfers. The method you choose depends on how quickly you need the payment processed and whether you want to set up recurring payments.
The fastest way to pay is through the Stellantis Financial Services website or mobile app. You log in with your account number and can make a one-time payment when ready using a bank account or debit card. Phone payments go through the same day if you call before the cutoff time, which varies by region but is typically in the afternoon. Mail payments take longer — usually 7 to 10 business days to reach the processing center and post to your account.
Automatic payments are set up through your online account and deduct from your bank account on a date you choose each month. This method eliminates the risk of a late payment if you forget to pay manually. You can change or cancel automatic payments anytime through your account settings.
Key Takeaways
- Stellantis Financial Services processes payments for Jeep, Ram, Chrysler, Dodge, and Fiat vehicles, and you can pay online, by phone, by mail, or through automatic bank transfers.
- Online and phone payments post the same day if made before the cutoff time, while mail payments take 7 to 10 business days to process.
- Your account login uses your loan or account number, which appears on your monthly statement or loan documents.
- Late fees and interest charges begin accruing if your payment is not received by the due date shown on your statement.
- If you are having trouble making a payment, contacting Stellantis Financial Services before the due date may open options for a temporary adjustment.
Setting up an online account and logging in
To pay online, you need to create an account on the Stellantis Financial Services website or use their mobile app. You will need your loan account number, which is printed on your monthly statement and on any loan documents you received when you purchased the vehicle. You will also need your vehicle identification number (VIN), which is on your title and registration.
During account setup, you create a username and password. Stellantis may send a verification code to your email or phone to confirm your identity. Once your account is active, you can view your loan balance, payment history, due date, and interest rate. You can also see how much of each payment goes toward principal versus interest.
If you forget your login information, the website has a password reset option. If you cannot locate your account number, you can call Stellantis Financial Services customer service and provide your name, VIN, and the last four digits of your Social Security number to retrieve it.
Payment due dates and late fees
Your payment due date is listed on your monthly statement and in your online account. Payments are considered on time if they are received by 5 p.m. Eastern Time on the due date. If you pay by mail, the postmark date does not matter — only the date the payment is received at the processing center counts.
If your payment arrives after the due date, Stellantis charges a late fee. The amount varies by state and by the terms of your loan agreement, but typically ranges from a flat fee to a percentage of your monthly payment. Late fees are added to your loan balance, which means you pay interest on them as well. A single late payment also appears on your credit report and can lower your credit score.
If you are going to miss a due date, contact Stellantis Financial Services before that date. Some loan agreements allow for a grace period of a few days, and the company may discuss options if you are facing a temporary hardship. Waiting until after the due date passes makes it harder to avoid the late fee.
Automatic payment setup and changes
Automatic payments are the most reliable way to avoid missing a due date. You set them up through your online account by providing your bank account number and routing number. You choose the date each month when the payment should be withdrawn — typically the same date your paycheck arrives or when you know funds will be available.
You can change the payment amount or the date at any time through your account. If you want to skip a payment or pause automatic payments temporarily, you can do that as well, though skipping a payment does not erase what you owe — it straightforward delays it. The interest continues to accrue on the unpaid balance.
If a payment fails because of insufficient funds in your bank account, Stellantis may attempt to reprocess it. If it fails again, you will owe a late fee and the payment will be marked as missed on your credit report. Contact the company when ready if an automatic payment fails so you can arrange an alternative payment method.
What happens if you miss a payment
Missing a single payment triggers a late fee and a note on your credit report. The impact on your credit score depends on how late the payment is — 30 days late has less impact than 60 or 90 days late, but both are serious. Lenders and credit card companies can see the late payment and may raise your interest rates on other accounts.
If you are 60 days late, Stellantis may send a formal notice demanding payment. If you are 90 days late, the company can begin repossession proceedings. The exact timeline varies by state and by the terms of your loan agreement. Repossession can happen without warning, and once your vehicle is repossessed, you still owe the remaining loan balance plus repossession and storage fees.
If you fall behind, contact Stellantis Financial Services when ready. The company may offer a loan modification, a temporary payment reduction, or a deferment that postpones one or more payments to the end of your loan term. These options are not may provide, but they are far more likely if you reach out before the situation becomes severe.
Payment methods and processing times
| Payment Method | Processing Time | When to Use |
|---|---|---|
| Online (website or app) | Same day if before cutoff | One-time payments, need quick posting |
| Phone | Same day if before cutoff | One-time payments, prefer speaking to someone |
| Automatic bank transfer | Posts on scheduled date | Recurring monthly payments, avoid late fees |
| 7 to 10 business days | Last resort, plan ahead for due date |
When you pay online or by phone, you can use a bank account or debit card. Credit card payments are not accepted because Stellantis treats them as cash advances, which carry higher fees. If you pay by mail, send your check or money order to the address on your statement — never send cash.
Always include your account number on the check or in the payment memo so the payment is credited to the correct loan. If you are paying from a different bank account than the one on file, include a note with your name and VIN so there is no confusion about which vehicle the payment covers.
Frequently Asked Questions
Can I pay my Stellantis loan early without a penalty?
Most Stellantis loans do not have a prepayment penalty, which means you can pay off the loan early without extra charges. Paying early reduces the total interest you pay over the life of the loan. Check your loan agreement or call Stellantis Financial Services to confirm your specific loan has no prepayment penalty.
What if I want to pay by phone but do not have my account number?
Call Stellantis Financial Services customer service and have your name, VIN, and the last four digits of your Social Security number ready. The representative can look up your account and process the payment over the phone without requiring you to log in online first.
How do I know if my payment was received?
If you pay online or by phone, you receive a confirmation number when ready. Check your online account within one business day to see the payment posted. If you pay by mail, allow 7 to 10 business days and then log in to confirm it appears in your payment history.
Can I change my payment due date?
You cannot change the due date set by your loan agreement, but you can change the date your automatic payment is withdrawn each month. Set it for a date before your statement due date to may support the payment posts on time. Contact Stellantis Financial Services if you need to discuss a permanent change to your due date.
What should I do if I cannot afford my monthly payment?
Contact Stellantis Financial Services before your payment is due. Explain your situation and ask about options such as a temporary payment reduction, deferment, or loan modification. The company is more likely to work with you if you reach out early rather than waiting until you are already late.