RAM Payments: What You Need to Know

You can make your RAM payments to Chrysler Capital online, by phone, or by mail—but to pay by cash or credit, you’ll need to find a third-party financial service.
Written by Matt Nightingale
Reviewed by Jessica Barrett
Chrysler Capital has several payment options for RAM owners to make their car payments including online, by phone, mail, automatic withdrawal, in-person, or via a third-party service such as Western Union. 
If it’s time for you to make a payment on your RAM pickup and you’re not quite sure how to do it, we’ve got your back. In this article, we’ll show you all the different ways you can make your RAM truck payments. And for prospective buyers, we’ll take a look at the average monthly payments for RAM
car loans
and leases, so you can get an idea of how well a RAM pickup will fit into your budget. 
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How to pay your RAM car bill

RAM owners are lucky to have a number of convenient payment options for their monthly car bills. 


Chrysler Capital allows customers to pay their car bills online either by debit card or by Automated Clearing House (ACH) payment. To use either of these methods, you’ll need to
create a Chrysler Capital account
and provide your banking information to make a one-time payment, free of charge. If you’d rather pay by debit card, you can do so by using the ACI Pay Money Transfer service, which carries a transaction fee of $2.75.

Auto Pay

If you’re worried about making your car payments on time, you can enroll in Chrysler Capital’s Auto Pay program, and rest easy knowing that your car payments are made on time every month via automatic deductions from your chosen checking or savings bank account. This program is free, and you can sign-up
or by completing the
Auto Pay Enrollment Form
and faxing it to 877-216-5854

By phone

You can make a one-time ACH payment from your checking or savings bank account over the phone. You’ll need to have your Chrysler Capital account number with you as well as your banking info, including your institution’s routing number, your bank account number, and a check number
When you have gathered all of this information, call 855-563-5635 to make the payment. Fees may apply, with debit card transactions costing $3.75 and debit card transactions made with a live agent costing an extra $10.95.

By mail

Everybody likes to get mail, including Chrysler Capital, so if you want to send them a check via regular mail, you can. Make your personal check, cashier’s check, or money order payable to Chrysler Capital, write your account number on the check or money order and mail it to the address provided on your monthly car payment statement along with your payment stub.
Payment type
Mailing address
Retail (regular)
Chrysler Capital-Retail
P.O. Box 660335
Dallas, TX 75266-0335
Lease (regular)
Chrysler Capital-Lease
Box 660647
Dallas, TX 75266-0647
Overnight mail, certified mail, next day air
Chrysler Capital
3000 Kellway Drive
Suite 120
Carrollton, TX 75006

In person

Looking to get some fresh air? You can pay your RAM bill in person by using a third-party financial service like Western Union, MoneyGram, PayNearMe, or CheckFreePay.
If you’re paying at a Western Union include the following information:
  • Code city: CHRYSLERCAP
  • State code: TX
  • Your Chrysler Capital account number
You can find a Western Union near you by calling 800-634-3422.
Paying through MoneyGram? Provide this info:
  • Receive code: 1192
  • Company name: Chrysler Capital
  • City/State: Dallas, TX
  • Your Chrysler Capital account number
Call 800-666-3947 to find the closest MoneyGram outlet.
To use PayNearMe, you’ll need a payment code, which you can get
. Once you have your payment code, make your way to
your local PayNearMe outlet
, provide the payment code to the cashier, and make your payment. Be sure to get a receipt for proof of payment. 
Paying your RAM bill by CheckFreePay is incredibly easy. Simply take your monthly statement to
the nearest CheckFreePay location
to have your payment processed.
You will likely need to pay transaction fees when using third-party financial services such as these, but on the up-side, these institutions are the only ones that will accept cash or credit card for your RAM bill payment.
Find out if you can reduce your monthly car payments in minutes
* checking your rate won’t affect your credit score
Check your rate
* checking your rate won’t affect your credit score

Can I make my RAM payments with a credit card?

Third-party financial institutions will accept credit card payments, otherwise, you can only make online payments for your RAM via your checking or savings bank account. 

Is there a grace period for RAM car payments?

Chrysler Capital does allow a grace period of seven to 15 days for
late loan payments
. If you are late with a payment, a late fee may be added to your next bill. Keep in mind that a late payment can have a very negative effect on your credit score.

How much are RAM payments?

RAM vehicles don’t come cheap, with entry-level models exceeding $40,000 and some top-end trims boasting a price tag in the $80K range, like the RAM 1500 TRX. Large sticker prices mean larger monthly payments, and RAM owners pay an average of about $755 a month for their vehicles.
Listed below is the pricing and
loan payment information
for RAM’s top-selling vehicles. These average payments are based on each model’s base trim with a downpayment of 10% and a 4.90% interest rate over 72 months. You may get different calculations based on your own consumer profile and credit score—the average new car buyer’s credit score typically falls in the 661–780 range. 
MSRP range
Average monthly payment
2022 RAM 1500
$40,995 – $80,585
2022 RAM 2500
$48,190 – $77,150
2022 RAM 3500
$49,855 – $78,815
2022 RAM Promaster
$41,285 – $46,235
How much your RAM payments will cost depends on your vehicle’s price, your down payment, and
trade-in value
, as well as personal financial standing indicators like your credit score and loan term. If you opt for a
72-month term
loan, your payments will be lower than a 60-month loan, while new car loans usually come with lower
than loans for used vehicles.
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To qualify for financing for a RAM vehicle from Chrysler Capital, you’ll need a credit score of at least 640.
Chrysler Capital offers 0% interest rates, but your interest rate will depend heavily on your personal credit score. To qualify for a 0% rate you’d need to have an immaculate credit score.
The RAM 1500 is the most popular truck from RAM. The 1500 distinguished RAM as a stand-alone car brand owing to its popularity under the
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