What Stellantis bill pay is and how to use it
Stellantis is a car manufacturer that owns brands including Jeep, Ram, Chrysler, Dodge, and Fiat. If you financed your vehicle through Stellantis Capital (the company's lending arm), you can pay your monthly loan bill online, by phone, by mail, or in person at a dealership. The method you choose affects how quickly your payment posts and what records you'll have.
Most borrowers use online payment because it's the fastest route and shows your payment history immediately in your account. You'll need your loan account number, which appears on your monthly statement or in any welcome letter you received when the loan was opened.
Stellantis does not operate a single centralized payment website the way some lenders do. Instead, payment options depend on which financial institution actually holds your loan — Stellantis Capital may have sold your loan to another company after you signed. Before you set up a payment method, confirm who currently owns your loan by checking your most recent statement or calling the customer service number on it.
Key Takeaways
- Online payment through your loan servicer's website is the fastest method and usually posts within one business day.
- Your loan may be held by Stellantis Capital or by another bank or finance company that bought it, so check your statement to find the correct payment address or website.
- Mailed checks should arrive at least seven to ten business days before your due date to avoid a late payment.
- Missing a payment by even one day can trigger a late fee and report to credit bureaus, so set up automatic payments if you struggle to remember due dates.
- Paying more than your monthly minimum does not require permission and will reduce the total interest you pay over the life of the loan.
Paying online through your loan servicer
Log into the website or app of the company that holds your loan. If Stellantis Capital still owns it, visit stellantiscapital.com and look for a "Pay My Bill" or "Make a Payment" link. Enter your loan account number and the amount you want to pay. You can pay the full monthly amount, a partial amount, or more than the minimum.
Online payments typically post within one business day. If you pay after 5 p.m. Eastern time, the payment may not process until the next business day. Some servicers allow you to schedule a payment for a future date, which is useful if you want to ensure the money leaves your bank account on a specific day.
Keep a record of your confirmation number after each payment. If a payment fails to post or you need to dispute it later, the confirmation number proves you sent the money and when.
Paying by mail or check
Write a check to the name shown on your statement. Include your loan account number on the check itself — write it in the memo line. Mail the check to the address listed on your statement under "Payment Address" or "Make Checks Payable To."
The U.S. Postal Service typically takes three to five business days to deliver mail. To be safe, mail your check at least seven to ten business days before your due date. If your check arrives after the due date, you may be charged a late fee even though you mailed it on time.
Mailed payments are harder to track than online payments. Keep a copy of the check or photograph the front and back after you mail it. If the payment doesn't appear in your account within two weeks, contact your servicer with the check number and mailing date.
Paying by phone or at a dealership
Call the customer service number on your statement to pay by phone. You'll need your loan account number and a debit card or bank account information. Phone payments usually post within one business day, but you may be charged a convenience fee — ask before you provide your payment information.
Some Stellantis dealerships accept loan payments in person. Call your local dealership to ask whether they process payments and whether they charge a fee. In-person payments can be useful if you prefer to hand over cash or a check directly, but they offer no speed advantage over online payment.
What happens if you miss a payment
A payment is late if it arrives after your due date, even by one day. Late payments trigger a fee — the amount varies by lender but typically ranges from $25 to $50 for the first late payment. The late fee is added to your loan balance and you'll owe interest on it.
After 30 days late, the missed payment is reported to the three major credit bureaus (Equifax, Experian, and TransUnion). This report stays on your credit report for seven years and will lower your credit score. After 60 days late, your lender may begin collection calls. After 120 days late, your lender can repossess the vehicle without warning in most states.
If you know you'll miss a payment, contact your servicer before the due date. Some lenders offer a one-time deferment (pushing your payment to the end of the loan) or a temporary payment reduction. These options are not may provide, but asking before you miss a payment is better than calling after.
Setting up automatic payments
Most loan servicers offer automatic payments, where money is withdrawn from your bank account on the same day each month. Set this up through your servicer's website or by calling customer service. You'll need to provide your bank account number and routing number.
Automatic payments reduce the risk of forgetting a due date. However, make sure your bank account has enough money on the withdrawal date. If the withdrawal fails because of insufficient funds, your bank may charge an overdraft fee and your servicer may charge a late fee.
You can change or cancel automatic payments at any time. If you need to skip a month or change the amount, log into your account or call customer service at least three business days before the scheduled withdrawal.
Paying extra to reduce interest
You can pay more than your monthly minimum without penalty. Any amount above the minimum goes toward reducing your loan balance, which lowers the total interest you'll pay. For example, if your minimum payment is $400 and you pay $500, the extra $100 reduces what you owe.
Some borrowers make one extra payment per year by paying a little more each month. Others make a lump-sum payment when they receive a tax refund or bonus. Either approach shortens the loan term and saves money on interest.
Check your statement or account online to see how much principal and interest you're paying each month. As you pay down the loan, the principal portion grows and the interest portion shrinks. This is normal and expected.
Frequently Asked Questions
Can I pay my Stellantis loan through a third-party bill pay service?
Yes. Many banks and credit unions offer bill pay services that mail a check on your behalf. Set up the payment through your bank's website and provide your loan servicer's mailing address. The check will arrive in five to seven business days, so schedule it accordingly. Your servicer will not know the payment came from a third party — they'll see only the check.
What if I don't know who holds my loan?
Check your most recent statement. The servicer's name and payment address appear at the top or in the "Payment Information" section. If you can't find a statement, call the Stellantis dealership where you bought the car and provide your vehicle identification number (VIN) — they can tell you who the current servicer is.
Will paying early hurt my credit score?
No. Paying early or paying extra has no negative effect on your credit score. Your score is based on whether you pay on time, how much you owe compared to your credit limit, and your payment history. Paying more than the minimum only helps.
Can I get a refund if I overpay?
If you accidentally pay more than you owe, contact your servicer and request a refund. Some servicers will mail a check; others will apply the overpayment to your next month's bill. Ask which option they offer before you overpay.
What should I do if my payment was rejected?
Check your bank account to see whether the money was withdrawn. If it was, contact your servicer with the date and amount — they can investigate where the payment went. If the money is still in your account, the payment failed and you'll need to try again before your due date to avoid a late fee.