Home > News & Blogs > Midwest Chrysler Dealers Offer 0% APR Financing for 84 Months
Midwest Chrysler Dealers Offer 0% APR Financing for 84 Months
Midwest Chrysler Dealers Offer Groundbreaking 84-Month 0% APR Financing
Featured Snippet: Select Chrysler dealers in Illinois, Missouri, and Wisconsin are offering unprecedented 84-month 0% APR financing through Chrysler Capital on 2015 Chrysler 200 (excluding LX), Town & Country, and Dodge Grand Caravan models. This rare long-term financing deal requires excellent credit (typically 720+ score) and represents both opportunity and risk for qualified buyers.
The Rise of Extended Auto Financing
The automotive financing landscape has evolved significantly in recent years, with seven-year car loans becoming increasingly common. However, Midwest Chrysler dealers have taken this trend a step further by combining the lengthy 84-month term with zero percent interest financing—a rare combination that demands careful consideration.
$26906 Gas 2054 mi
Good
Deal
0
(5)
$19375 Gas 93184 mi
Good
Deal
0
(5)
$25900 Gas 73215 mi
Good
Deal
0
(5)
2022 Alfa Romeo Giulia
Chrysler Pacifica Touring L FWD
2016 Jeep Wrangler Unlimited Sport 4WD
Which Models and Dealers Qualify?
This exclusive financing offer applies to three specific models at participating dealerships:
- 2015 Chrysler 200 (all trims except LX)
- 2015 Chrysler Town & Country
- 2015 Dodge Grand Caravan
While some Chicago-area dealers have extended similar offers to Jeep Cherokee models, these arrangements are not part of the official Chrysler Capital program and may have different terms.
The Credit Qualification Challenge
Zero percent financing deals always come with stringent credit requirements, and this 84-month offer is no exception. Buyers typically need:
- Credit scores of 720 or higher
- Established credit history
- Low debt-to-income ratio
Industry estimates suggest only about 15% of car shoppers qualify for zero percent offers under normal circumstances, and the requirements for this extended-term deal may be even more selective.
--TOP ADVERTISEMENT HERE--
Monthly Payment Comparison
For a $25,000 Chrysler 200 with 20% down and 7.25% sales tax:
- 0% APR for 84 months: $259.67/month
- 1.9% APR for 84 months: $277.52/month
- 3.9% APR for 84 months: $297.14/month
- 0% APR for 60 months: $363.54/month
Use MotorVero's payment calculator to run your own scenarios.
The Strategic Advantage for Qualified Buyers
For consumers with excellent credit, this financing deal presents unique opportunities:
- Time value of money: The difference between payments could be invested elsewhere
- Cash flow preservation: Lower monthly payments free up budget for other priorities
- Inflation advantage: Future payments become relatively less valuable over time
The Potential Pitfalls to Consider
While attractive on surface, long-term loans carry inherent risks:
- Negative equity risk: The vehicle may depreciate faster than the loan balance decreases
- Maintenance concerns: Most warranties won't cover the entire loan term
- Opportunity cost: The extended term may limit future financial flexibility
-
2021 Alfa Romeo Giulia
$27697
Gas
28912 mi
Good Deal
0 (5)
BMW 6 Series 640i Coupe RWD
$50000
Petrol
63325 mi
Good Deal
0 (5)
2024 Honda Prologue
$40948
electric
2943 mi
Very Good Deal
0 (5)
Why Dealers Offer These Promotions
These attention-grabbing financing deals serve multiple purposes for dealerships:
- Drive showroom traffic during competitive shopping seasons
- Move specific inventory that may be overstocked
- Create opportunities for trade-ins and additional sales
- Build long-term service department relationships
Smart Shopping Strategies
To maximize the value of these financing offers:
- Get pre-approved to understand your true buying power
- Compare total loan costs rather than just monthly payments
- Consider gap insurance to protect against depreciation
- Negotiate the vehicle price separately from financing terms
- --FIRST CONTENT ADVERTISEMENT HERE--
Alternative Financing Options
If you don't qualify for 0% APR or prefer different terms:
- Shorter-term loans with slightly higher rates
- Credit union financing (often more flexible terms)
- Lease-to-own arrangements
- Cash purchase incentives
The Bottom Line
While 84-month 0% APR financing offers undeniable appeal for qualified buyers in the Midwest market, the decision requires careful financial analysis. Consider your long-term vehicle needs, financial goals, and alternative uses for the monthly payment difference before committing to this extended loan term.
Always remember that the best car-buying decisions come from thorough research, realistic budgeting, and understanding all the fine print before visiting the dealership.
$27697 Gas 28912 mi
Good
Deal
0
(5)
$50000 Petrol 63325 mi
Good
Deal
0
(5)
$40948 electric 2943 mi
Very Good
Deal
0
(5)
2021 Alfa Romeo Giulia
BMW 6 Series 640i Coupe RWD
2024 Honda Prologue
Motorvero G-queen
Last Updated On Apr, 12-2025