Stellantis Financial Services (SFS) is the in-house financing arm of Stellantis, the global automaker behind Chrysler, Dodge, Jeep, and Ram. It provides auto loans, leases, and commercial lending directly to consumers and dealerships in the United States. As a “captive” finance company, meaning it’s wholly owned by the automaker itself, SFS can offer brand-specific incentives like 0% APR deals and deferred payment programs that outside lenders typically can’t match.
How SFS Fits Into Stellantis
Most major automakers operate their own financing divisions. Ford has Ford Motor Credit, Toyota has Toyota Financial Services, and GM has GM Financial. Stellantis was a latecomer to this model. For roughly a decade, the company (and its predecessor, Fiat Chrysler) relied on Santander Consumer USA, operating under the Chrysler Capital brand, as its preferred lending partner. That arrangement ran through 2025, giving SFS time to build out its own operations and grow into a full-service captive lender.
Now SFS handles financing directly, which gives Stellantis more control over the customer experience, dealer relationships, and the promotional rates it can offer on new vehicles. For buyers, the practical difference is that your loan or lease originates with SFS rather than a third-party bank, and your payments go to SFS.
What SFS Offers Car Buyers
SFS provides standard retail auto financing: loans and leases on new and used Stellantis-brand vehicles. Where it stands out is in manufacturer-subsidized deals that are only available through the captive lender. Recent promotions have included 0% APR financing for 60 months and 2.9% APR for 72 months on select 2025 and 2026 Chrysler, Dodge, Jeep, and Ram models. Some offers include no payments for 90 days.
These rates are reserved for “well-qualified buyers,” which generally means a strong credit score and solid income. If you don’t qualify for the promotional rate, SFS will still offer financing, but at a higher interest rate based on your credit profile. You’re never required to finance through SFS when buying a Stellantis vehicle. You can always bring your own financing from a bank, credit union, or online lender. But if the dealer is advertising a special APR on a particular model, that rate almost always requires going through SFS.
Business and Fleet Financing
Beyond individual car buyers, SFS offers financing tailored to businesses. This includes purchase and lease options for commercial fleets as well as lines of credit. If your company operates a fleet of Ram trucks or Jeep vehicles, for example, SFS can structure financing around those needs rather than treating each vehicle as a standalone consumer loan.
Dealer Services and Floorplan Financing
A large portion of what SFS does is invisible to car buyers but critical to how dealerships operate. SFS has become one of the largest floorplan providers to the Stellantis dealer network. Floorplan financing is the credit line a dealership uses to purchase its inventory from the manufacturer. When you walk onto a lot and see hundreds of new vehicles, the dealer doesn’t own those outright. They’re financed through a floorplan credit line, and the dealer pays interest on each vehicle until it sells.
SFS offers dealers several types of commercial credit beyond basic floorplan lines:
- New and used vehicle credit lines for stocking inventory
- Capital loans for dealership improvements or expansion
- Real estate and construction financing for building or renovating facilities
- Revolving lines of credit for general business needs
- Cash management programs that let dealers use excess cash to offset floorplan interest costs
Dealers who use SFS floorplan financing get perks that incentivize loyalty. These include higher contract bonuses on new and used vehicle deals, an enhanced dealer reserve split of 80/20 (plus an extra 5% for floorplan dealers), priority funding, and better pricing on off-lease vehicles, up to $1,000 less than what non-floorplan dealers pay. SFS also provides floorplan insurance with billing dates that start at vehicle delivery rather than the flooring date, which can mean meaningful savings for high-volume dealers.
Managing Your SFS Account
If you finance or lease a vehicle through SFS, you’ll make monthly payments directly to Stellantis Financial Services. You can manage your account, view statements, and make payments through the SFS website. Your experience will be similar to working with any other auto lender: you’ll receive a monthly bill, your payment history will be reported to the major credit bureaus, and you’ll deal with SFS directly for payoff quotes, title releases, or end-of-lease returns.
For lease customers, SFS handles the end-of-lease process, including vehicle inspections, lease-end options (return, purchase, or trade), and any excess mileage or wear charges. Since SFS is the captive lender, lease-end purchase pricing and turn-in procedures are set by Stellantis rather than a third-party bank.
How SFS Compares to Outside Lenders
The main reason to finance through SFS is access to manufacturer-subsidized rates. A 0% or 2.9% APR offer from SFS will almost always beat what a bank or credit union can provide. On a $40,000 loan at 0% for 60 months, you’d pay $667 per month with zero interest. That same loan at 6% from an outside lender would cost about $773 per month and roughly $6,400 in total interest.
When there’s no special promotion on the vehicle you want, the calculus changes. SFS standard rates may or may not be competitive with your local credit union or online lender. It’s worth getting pre-approved elsewhere before visiting the dealership so you can compare offers side by side. Dealers are required to tell you the APR and total cost of financing, making it straightforward to evaluate whether SFS or an outside lender gives you the better deal.