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Chrysler Capital Auto Refinance Review


ConsumersAdvocate.org Rating: 3.5 / 5 (Very good)
33 Customer Comments & Reviews - see all comments
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Chrysler Capital is a joint venture of Chrysler Group LLC and Santander Consumer USA dedicated to providing full-finance solutions for Chrysler Group and its dealers as well as finance options marketed directly to consumers. The company is best known for their endorsement of Chrysler, Dodge, Jeep, RAM, and FIAT vehicles.

How is Chrysler Capital rated?

Breakdown

3.5/5
Loan Details
3.5/5
Customer Experience

Overall Rating: 3.5 / 5 (Very good)

Chrysler Capital offers quick an easy auto financing options through a streamlined pre-approval process that delivers same-day results. The company, which enjoys favorable customer reviews and is backed by the financial strength and stability of Santander Consumer USA, is a fitting choice for anyone looking to purchase or lease a new or pre-owned Chrysler, Dodge, Jeep, RAM or FIAT vehicle from a participating dealership in their area.

Auto Loans & Refinancing

Loan Details - 3.5 / 5

Chrysler Capital offers purchase loans and lease buyout options for both new and used vehicles sold through their participating auto dealers. However, the company solely markets Chrysler, Dodge, Fiat, Jeep, and Ram offers for eligible clients. The loan terms, amounts, annual percentage rates provided here are based on Chrysler Capital's monthly repayment calculator, which means actual loan amounts, terms, and rates will depend on a number of factors, including the applicant's credit history, down payment amount (if any), vehicle specifications, and chosen dealership, etc.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Loan Amount
$1,000
Max Loan Amount
$200,000
Max APR
30.0%
Term Length
12 months
Max Term Length
84 months

Loan Qualifications

Qualification - 3.5 / 5

To qualify for an auto loan or lease buyout offer through Chrysler Capital, applicants must be 18 years or older and be able to provide personally identifying information including their name, address, social security number, date of birth, employment details, and annual income. Although their website does not specify a minimum income or credit score, individuals with a good credit history, a co-applicant with better credit, or a substantial down payment amount generally have better chances of obtaining a lower interest rate and favorable loan terms.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Income
No Minimum Specified
Minimum Credit Score
No Minimum Specified
US Citizenship Requirement
No
Verification / Documents Required
Social Security Number
Employment Information / Pay Stubs

Vehicle Qualifications

Mileage Limit
No Limit Specified
Car Age
No Limit Specified
Car Makes
Chrysler, Dodge, FIAT, Jeep, Ram

Application & Service

Customer Experience - 3.5 / 5

Chrysler Capital's online application is easy, secure, and can be completed in minutes. Customers who request pre-qualification can obtain a response in as little as sixty seconds and receive personalized offers via email, all without affecting their credit. In order to help their customers make informed financial decisions, Chrysler Capital also provides several loan and budget calculators and additional resources for individuals looking to secure a finance option for the first time.
Approval Time
Same Day
Funding Time
Not Specified
Fees
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry

Chrysler Capital Reputation & Reviews

Reputation - 3.5 / 5

Chrysler Capital, registered under Santander Consumer USA, Inc., is not accredited by the Better Business Bureau, yet holds a 3.51 out of 5 stars score with the organization based on 60 customer reviews and an A rating. Although they have received mostly negative customer feedback on bbb.org, the company maintains a 7.8 (Great) score on Trustpilot.com based on over 65% positive customer reviews. The majority of consumers reporting their experiences with Chrysler Capital on Trustpilot.com agree the company is easy to work with and delivers excellent customer service each time.
Trustpilot Rating
7.8 out of 5
BBB Rating
A
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
57
Date Collected
2017-12-27

Contact & Additional Information

Lender Type
Lender
Homepage URL
Company Phone
(855) 541-7745
Mailing Address
PO Box 961275, Fort Worth, TX, 76161
Year Founded
2013

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33 Customer Comments & Reviews

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Bill S
6/17/2021
I decided to purchase the car I had been leasing through Chrysler Capital. They acknowledged the receipt of my payment in their records as of May 14, 2021. It is now June 18 and I am still waiting for a title transfer. Called and was told it had been mailed a week ago. Still no title. They have had my money for 35 days and I have a car I can not drive. This long delay is costing me money. Needless to say I will never lease a car through Chrysler Capital again. Am considering sending my complaint to their State Department of Consumer Affairs and Attorney Generals Office.


thompsonandrea0412
6/13/2021
They are robbing me brought a 2018 Max SL for 23,000 and 3 years later after paying 600 a month I still owe 22,000 impossible.. They are horrible 😢


M
Mark W
4/21/2021
Run to any other finance company. Chrysler Capital is an automated, poorly run, virtual company that is in the process of ruining my credit over a car that was traded in months ago. I was never late with a payment. Traded in for another Chrysler and the thank you I got was, "we're sorry, but we are having difficulty closing your account because the dealer sent us 27 cents too much." They are reporting my account late and owing $7000 dollars to Experian and I don't know who else. They can't or won't close the account because it has 27 cents too much in it.


mfelio84
3/31/2021
Don't Do It! RUN!!! HORRIBLE COSTUMER SERVICE. UNACCREDITED BY THE BBB!!! There is No customer service They will lie and mislead you and not think twice about it. They deserve a lawsuit.. Oh wait they're being sued out of business.. Well Santander is at least.. I wonder how Chrysler had manager to pull it together to buy back their old finance company after such hardship. It truly seems like Karma waging war on FCA for ripping people off for decades and literally not caring enough to even have customer service.


usmcvx
3/31/2021
Chrysler Capital is a bank that stays strict with their policy. Customer care is non existent when it comes to their policies. If their policies states you are over the past due date even when you worked out payment plans with them about how to pay them. Your account will still be filed according to their policies for repossession. So what I am saying do not waste your time explaining your current situation with this bank they do not care for customer service and care. You can have a near life and death situation, fighting court cases, behind on corporations not paying you back on time, at the verge of going homeless because of all the above to them to put it plainly you can have the... Read More


fitzgeraldkim346
3/25/2021
36 years lof borrowing from from reputable companies Chrysler Capital is the worst customer service I have ever received. They have made so many mistakes in accounting it was obvious something was very wrong with them. No mistake Chrysler Capital has defrauded the vast majority of their costumers. 34 states have taken action against under the Attorney General. Massachusetts residents have been paid back over 31 million in damages after Attorney General Healy took action against Chrysler Capital. They are not a bank. Do not waste your hard earned dollars. There are plenty of lenders who will treat you fairly and work hard to service you with loan.


M
MATTHEW L
1/28/2021
Th e lease team, who are meant to guide you failed to mention if I returned the car early I would be charged the vehicle price or difference in value in an auction. I paid the lease of in advance, it only had 20,000 mile on the car, not the 45,000 I was allocated. When I called the lease department to start the return process they did not mention about the early termination. It may be in the contract, but what is the point in the department if they do not care for their customers


N
Nanelle K
9/13/2020
Leased Fiat, and now Fiat dealerships are closed in region, and no Chrysler dealership will take car (unless I buy another) and Chrysler wont come get it. I have paid end of lease fees and all payments. Been on the phone with CCap every few days trying to get car back to them. Today found I am reported delinquent and Credit is fucked. Literally last week got pre-approval on real estate loan. Not once has Chrysler mentioned a delinquency in the constant conversations I've been having with. Apparently when they disallow Autopay for the final payment it makes you late. They dont say a thing outside of a letter I missed? This is nothing but a fee trap Chrysler slips by you for a few extra... Read More


davidfarella
8/28/2020
They are the #1 reason never to buy a Chrysler Product They simply could care less about helping their customers - - see below same story of miscues. Paid a car off almost a month ago, they shut off auto payments, now account is past due as they have not closed the account after many attempts calling them and emailing them. Answer is well we are working on it and we are bothering them with our request and as long as we get it done by Sept 5th you will not get a report sent to the credit agency - - GREAT, that helps a ton. We know based on below I will be writing to all three credit agencies................................ The customer reviews are a great case for an attorney to start a... Read More


Diane E
8/15/2020
The absolute worst company ever. Repossessed auto after I got behind but called to work out a payment plan. They were not even willing to work a deal. I finally came up with all the money I was behind and they said no they only wanted the entire amount owed and I had 6 days before it was auctioned off to get it back. If I had the full amount I wouldn't be financing. They auctioned it off and have now attached a claim against my credit report for over $11,000 and each month are reporting me as late paying



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