What you pay each month on a Stellantis lease

A Stellantis lease payment is a monthly charge for using a Jeep, Ram, Chrysler, Dodge, or Fiat vehicle that you do not own. The payment covers the vehicle's depreciation during the lease term, plus interest (called a "money factor"), taxes, and fees. Stellantis Capital, the financing arm of Stellantis, sets the payment amount based on the vehicle's selling price, the lease length, the mileage allowance, and your credit profile.

Your monthly payment is fixed for the entire lease — usually 24, 36, or 48 months — so you know exactly what you owe each month. The payment does not include maintenance, insurance, or registration, which are your separate responsibility. At the end of the lease, you return the vehicle to a Stellantis dealership and owe nothing more, unless the vehicle has excess mileage or damage beyond normal wear.

Key Takeaways

  • Your monthly Stellantis lease payment is set when you sign the lease agreement and stays the same for the entire lease term.
  • The payment covers depreciation and interest but does not include insurance, maintenance, registration, or taxes in most states.
  • You are responsible for any mileage overage charges (typically 25 cents per mile) and damage beyond normal wear when you return the vehicle.
  • Lease payments are calculated based on the vehicle's capitalized cost, the money factor, the residual value, and your lease length.
  • You can find your exact payment amount and due date on your lease agreement and monthly billing statement from Stellantis Capital.

Where your monthly payment goes

Your Stellantis lease payment is divided into several parts. The largest portion covers depreciation — the difference between what the vehicle costs new and what it will be worth at the end of the lease. A smaller portion is interest, calculated using the money factor (Stellantis's term for the interest rate). The remainder covers the lease acquisition fee, which is a one-time charge rolled into your monthly payment, and in some states, sales tax on the monthly payment amount.

The lease agreement you signed shows the capitalized cost (the negotiated price of the vehicle), the residual value (what Stellantis estimates the vehicle will be worth when the lease ends), and the money factor as a decimal. You can use these numbers to verify your payment is correct. The formula is: (Capitalized Cost + Residual Value) ÷ Lease Months + (Capitalized Cost + Residual Value) × Money Factor = Monthly Payment (before tax).

Maintenance is not included in your lease payment. You are responsible for oil changes, tire rotations, and repairs beyond the manufacturer's warranty. Most Stellantis leases include a warranty that covers factory defects for the lease term, but you pay for wear items like brake pads and wiper blades. Insurance is also your responsibility — you must carry comprehensive and collision coverage with limits your lessor requires.

How to find your payment amount and due date

Your lease agreement, signed when you took the vehicle, lists your monthly payment amount and the due date. This document also shows the lease start date, end date, mileage allowance, and any fees you owe upfront. If you cannot find your agreement, contact Stellantis Capital directly at the phone number on your billing statement, or log into your account on the Stellantis Capital website if you set one up.

Your monthly billing statement arrives by mail or email (depending on your preference) and shows the amount due, the due date, and where to send payment. Most Stellantis Capital leases are due on the same day each month. If you miss a payment, Stellantis Capital will charge a late fee — the amount varies by state but is typically $10 to $25 for the first late payment. Repeated late payments can result in vehicle repossession.

You can pay your Stellantis lease online through the Stellantis Capital website, by phone, by mail, or through automatic bank withdrawal (ACH). Setting up automatic payments reduces the risk of missing a due date. Some dealerships also accept payments in person, though you should confirm this with your local dealer before visiting.

Mileage overages and end-of-lease charges

Your lease agreement specifies an annual mileage allowance, typically 10,000, 12,000, or 15,000 miles per year. If you drive more than this total over the lease term, you owe an overage charge when you return the vehicle. Stellantis charges approximately 25 cents per mile over the limit, though the exact rate is in your lease agreement. A vehicle driven 40,000 miles on a 36,month lease with a 12,000-mile annual allowance (43,200 total miles allowed) would owe charges for 3,200 excess miles.

Damage beyond normal wear also results in charges at lease end. Normal wear includes light scratches, small dents, and interior scuffs. Damage that requires repair — deep dents, broken windows, torn upholstery, or mechanical issues caused by neglect — is your responsibility. Stellantis will inspect the vehicle when you return it and provide an estimate of repair costs. You can dispute the estimate or arrange your own repairs before returning the vehicle, though Stellantis must approve the repair shop.

Gap insurance, sometimes called "gap coverage," covers the difference between what you owe on the lease and the vehicle's actual value if it is totaled in an accident. This is optional but recommended. If you financed gap insurance as part of your lease, the cost is included in your monthly payment.

What happens if you cannot make a payment

If you know you cannot make a payment on time, contact Stellantis Capital when ready. Some lessees are able to arrange a one-time deferment (pushing the payment to the end of the lease) or a temporary payment reduction, though this depends on your account history and Stellantis Capital's policies. Waiting until after the due date makes these options less likely.

If you fall behind on payments, Stellantis Capital will send you a notice and may charge late fees. After 60 days of nonpayment, the company can repossess the vehicle without warning. A repossession damages your credit score and may result in additional charges — Stellantis can bill you for the cost of repossession, storage, and the difference between what they sell the vehicle for and what you owe on the lease.

If your financial situation has changed and you cannot afford the lease, you have options. You can transfer the lease to another person (called a lease assumption or lease transfer), though Stellantis Capital charges a transfer fee and the new lessee must meet credit requirements. You can also end the lease early by paying the early termination fee, which is substantial — typically several thousand dollars — because you are responsible for the vehicle's remaining depreciation.

Taxes and registration in your lease payment

Sales tax treatment varies by state. In some states, you pay sales tax on the full vehicle price upfront. In others, you pay tax monthly on your lease payment amount. A few states do not charge sales tax on leases. Your lease agreement and billing statement show whether tax is included in your monthly payment. If you are unsure, ask your dealership or Stellantis Capital which applies to your lease.

Registration and title fees are usually your responsibility and are not included in the monthly payment. You must register the vehicle in your state and renew the registration each year. Some states require the lessor's name on the title; others do not. Your lease agreement specifies who handles registration. In many cases, Stellantis Capital handles registration and bills you for the cost, or you handle it yourself and provide proof to Stellantis Capital.

Frequently Asked Questions

Can I lower my Stellantis lease payment?

Once you sign the lease, the payment is fixed and cannot be lowered. If you negotiated a lower capitalized cost (vehicle price) before signing, your payment would have been lower from the start. If you believe your payment is incorrect based on the terms in your agreement, contact Stellantis Capital to review the calculation.

What if I want to buy the vehicle instead of returning it?

Most Stellantis leases include a purchase option, which allows you to buy the vehicle at the end of the lease for a price set when you signed the agreement. This price is called the residual value or buyout amount. You can finance the purchase through Stellantis Capital or another lender. Check your lease agreement for the exact buyout price and any conditions.

Do I have to pay the full lease payment if I return the vehicle early?

No, but you owe an early termination fee, which is typically much larger than a few months of payments. The fee covers the vehicle's remaining depreciation and any other costs Stellantis Capital incurs. The exact amount is in your lease agreement. Transferring the lease to another person is usually cheaper than early termination.

Is my lease payment the same as my loan payment?

No. A lease payment covers the vehicle's depreciation and interest for the time you use it. A loan payment covers the full purchase price of the vehicle plus interest. Lease payments are typically lower than loan payments for the same vehicle, but you build no equity and must return the vehicle at the end.

What if my Stellantis lease payment is due on a weekend or holiday?

Most lenders consider the payment on time if it is received by the next business day. However, check your lease agreement or contact Stellantis Capital to confirm their specific policy. Setting up automatic payment avoids confusion about due dates.