Can you pay Santander Consumer USA / Chrysler Capital with a credit card?
No credit cards. Debit cards only.
Stated on Santander Consumer USA / Chrysler Capital's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay Santander Consumer USA / Chrysler Capital
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Only debit cards (online and phone) and wallets are offered; credit cards are not. chryslercapital.com now redirects to santanderconsumerusa.com. |
| Debit card | Yes | $3.28 | Debit card online, by Apple Pay or Google Pay (debit), or by phone at 888-222-4227 costs $3.28. PayPal or Venmo costs $6.75; the funding source is not stated. Processors are described only as third-party partners. |
| Bank account (ACH) | Yes | $0.00 | Free one-time ACH in MyAccount, free auto pay, and free bank-account payment by phone. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Santander Consumer USA / Chrysler Capital by bank transfer or check. Not affiliated with Santander Consumer USA / Chrysler Capital. |
What it is worth for your car payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Santander Consumer USA / Chrysler Capital for you) | $17.44 | −$77 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 2 car payments of $550 by card for about $35 in fees, reach the Bank of America Premium Rewards bonus, and keep about $470 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
A debit card payment earns no meaningful rewards, so it is only a convenience.
Watch out for
Debit card and wallet payments cost $3.28 to $6.75. PayNearMe cash costs $3.99, and Western Union, MoneyGram and CheckFreePay may charge fees.
Sources
We do not accept credit cards
santanderconsumerusa.com · checked October 19, 2026Debit card: $3.28
santanderconsumerusa.com · checked October 19, 2026Make a free one-time ACH payment.
santanderconsumerusa.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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