9 easy ways to make your auto financing payment

Ram truck with payment option symbols

You’ve signed on the line for the purchase or lease of your FCA US vehicle and now you’re enjoying life in the driver’s seat.


The next step is to get those auto payments running as smoothly as your new ride.

To help, Chrysler Capital offers nine easy ways to pay. Explore what works for you and get tips for managing your account.

Pay with Auto Pay

Ensure you never miss or make a late payment and have peace of mind by signing up for Auto Pay in MyAccount. Auto Pay is free and payments will be automatically deducted from your checking or savings account and credited to your financing account. If you haven’t yet set up MyAccount, you can sign up and manage your account here.

Pay online with a checking or savings account

Make a fast, free ACH payment from your checking or savings account by logging in to MyAccount and entering your payment account details.

Pay online with a debit card

Use a debit card to make a payment through ACI Pay Money Transfer, also accessed in MyAccount, and have it post the same day. A fee of $3.28 will apply to payments made using a debit card.*

Pay by phone

Call 855-563-5635 to use our convenient automated system and pay with your checking or savings account at no charge. Please note that we no longer accept payments by agent. A fee of $3.28 will apply to a debit card payment made using the automated phone system.*

Pay by mail

Mail your money order, cashier’s check or personal check along with your payment stub in the envelope provided with your Chrysler Capital statement. Keep in mind that it takes seven to 10 days for a payment to process by mail, so we do not recommend sending a late payment this way or if a due date is fast approaching or a holiday is near.

Pay with Western Union

Wire a speedy payment with Western Union Quick Collect. To complete the transaction, visit Western Union online, take your cash payment to a Western Union agent or use the Quick Collect by Phone service with a VISA or Mastercard credit or debit card. Fees may apply.

Pay with MoneyGram

MoneyGram is one of a number of walk-in options and enables you to get your payment to us in minutes from approximately 33,000 agent locations nationwide, including Walmart and CVS Pharmacy. Fees may apply.

Pay at CheckFreePay

Visit any one of nearly 25,000 CheckFreePay retail locations to make your payment the same day (depending on the time of day the payment is made), the next day or within three days. Simply take the bottom portion of your statement and your cash payment to the nearest location. Fees will apply.

Pay with PayNearMe

Make a cash payment from a choice of more than 9,000 locations across the country. Most stores are open 24 hours a day, seven days a week. Fees may apply.

How the timing of your payment can affect how much you pay

Making regular, timely payments is an important part of managing an auto financing account. Besides enabling you to avoid late and missed payments and any associated fees, if you’re financing a purchase, it could also affect how much interest you pay and may even allow you to save.

The reason lies with simple interest. The simple interest approach calculates interest daily which means if you pay on the due date, you’ll pay exactly the amount of interest agreed upon in your contract. Pay late and more of your monthly payment will count toward interest. Pay early, however, and more of your money will go toward paying off your principal balance – the sum you borrowed – and less to interest. Consistently paying early may enable you to accumulate savings over the course of your financing term.

Sign up at MyAccount and make your payment

Whether you chose to purchase or lease your vehicle, signing up to MyAccount is a smart way to manage your account and payments.

MyAccount enables you to:

  • Log in from any device, anytime
  • Make a payment
  • Get your payment history and due dates
  • Sign up for paperless, electronic statements
  • Obtain payoff information
  • Update your account

Take advantage by signing up at MyAccount.ChryslerCapital.com or visit our Customer Center to learn more about your payment options.

*Please note that Chrysler Capital’s third-party payment processing partner, ACI, charges a fee to process your payment. Chrysler Capital retains no part of that fee. See above for free payment options.

These statements are informational suggestions only and should not be construed as legal, accounting or professional advice, nor are they intended as a substitute for legal or professional guidance. Chrysler Capital is not a credit counseling service and makes no representations about the responsible use or restoration of consumer credit.