What Stellantis-Fs does

Stellantis Financial Services, Inc. (SFS) is the captive automotive finance company for Stellantis NV's US dealer network, wholly owned through FCA US LLC. Operating from its primary corporate office at 3065 Akers Mill Rd SE Suite 700 in Atlanta, Georgia, with additional operational offices in Irving (TX), Dallas (TX), Amherst/Williamsville (NY), and Chicago (IL), SFS originates and services retail installment contracts, leases, floorplan financing, commercial lending, business credit lines, and ancillary protection products exclusively through authorized Chrysler, Dodge, Jeep, Ram, Alfa Romeo, and FIAT dealerships across all 50 US states and Puerto Rico. The company markets under multiple trade names including First Investors Financial Services, 1st Investors Servicing Corporation, and Stellantis Financial Insurance, LLC, and is structured across several subsidiaries (SFS Funding LLC, SFS Funding II LLC, SFS Leasing Ltd., First Investors Receivables entities) to separate funding, leasing, servicing, and insurance functions. It is the #1 ranked captive lender for Stellantis brands and one of the largest floorplan providers to the Stellantis Dealer Network.

SFS's product surface spans consumer retail auto loans (36–84 month fixed-rate simple interest contracts at 8.25%–24.95% APR), vehicle leasing for new and pre-owned vehicles, commercial lending and floorplan financing for dealers (acquisition loans, revolving credit lines, new and used inventory floorplanning, real estate loans), business lending lines of credit starting at $250,000, and branded Stellantis Insurance. Ancillary revenue is generated through GAP waivers, FlexCare extended warranties, Mopar prepaid maintenance, tire and wheel protection, lease wear-and-tear coverage, Lease Protect, and Platinum Lease products. Pricing is creditworthiness-based with promotional OEM incentives (e.g., 2.9% APR for 84 months on the 2026 Jeep Grand Cherokee, 0% APR for 36 months on the 2026 Dodge Durango and Chrysler Pacifica gas models). The technology stack is centered on the mySFS customer portal and iOS/Android mobile apps for account management and payments, the SFS Dash dealer portal, the Second Pencil digital rehash tool, a cloud-based incentives platform indexed by ZIP code, and Observe.AI-powered communications analysis for transcription, summarization, and quality monitoring across phone, email, chat, SMS, and mail.

Revenue mechanics are dominated by net interest income on the loan and lease portfolios, supplemented by transaction fees on floorplan lending, recurring premiums on insurance and ancillary products, and fee income from late payments and NSF charges. Customer acquisition occurs at the point of sale through Stellantis dealer relationships (supported by six regional buying centers and dedicated dealer relationship managers), while servicing and cross-sell happen through digital self-service channels (mySFS portal, mobile apps, SMS, email) and the Stellantis brand websites (Jeep.com, Dodge.com, Chrysler.com, RamTrucks.com). The company employs 501–1,000 staff, holds NMLS identifier #128351, and reports no standalone public financials as a private subsidiary within the Stellantis corporate family.

Name

Stellantis-Fs

Legal name

Stellantis Financial Services, Inc.

Website

https://stellantis-fs.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Stellantis Financial Services is the captive automotive finance company for Stellantis brands (Chrysler, Dodge, Jeep, Ram, Alfa Romeo, FIAT), originating retail loans, leases, floorplan financing, business credit lines, insurance, and ancillary products through authorized US dealerships in all 50 states and Puerto Rico.

Ownership category

akta.pro rank

Product category

Captive Automotive Finance

NAICS

Sales Financing (52222), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Dealer Floorplan & Inventory Financing (FSAKADAD)

akta.pro secondary industry

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Captive auto finance
• Vehicle leasing services
• Floorplan financing
• Commercial lending
• Dealer lending solutions

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Auto Loan Interest Income: SFS originates and services auto loans for vehicle purchases, earning interest income on fixed-rate simple interest loans. Loans are acquired through assignment of retail installment contracts from authorized Stellantis dealerships. Interest rates range from 8.25% to 24.95% APR based on creditworthiness.
2. Vehicle Lease Income: SFS provides vehicle leasing services for new and pre-owned vehicles through Stellantis brand dealerships, generating income through lease payments including residual value assumptions.
3. Commercial Lending / Floorplan Financing: SFS provides floorplan financing and commercial lending to Stellantis dealers, including acquisition loans, revolving credit lines, new and used inventory floorplanning, and real estate loans. SFS has become one of the largest floorplan providers to the Stellantis Dealer Network.
4. Business Lending: Lines of credit starting at $250k for small business vehicle financing, including commercial purchase options, commercial lease options, TRAC leasing, and upfits/specialty vehicles.
5. Ancillary Products (Optional): Optional products including GAP (Guaranteed Automotive Protection) waivers, extended warranties (FlexCare), credit insurance, tire and wheel protection, auto appearance care, and key fob replacement. These are voluntary and not required for credit approval.
6. Insurance Products: Stellantis Insurance delivers tailored auto insurance protection for vehicle owners, offered as part of the financing ecosystem.
7. Late Fees and NSF Fees: Late payment fees (e.g., 5% of installment payment in Delaware with 10-day grace period) and returned check/NSF fees ($40 per item in Delaware).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Stellantis Financial Services is a U.S. captive finance company that originates and services retail auto loans, leases, floorplan financing, and commercial lending exclusively for Chrysler, Dodge, Jeep, Ram, Wagoneer, Alfa Romeo, and FIAT dealerships and their customers. It also distributes branded auto insurance and ancillary protection products (FlexCare extended warranty, GAP, lease protection plans). Customers manage accounts digitally through the mySFS portal and mobile apps, while dealers access SFS Dash for credit, funding, and floorplan operations.

Product overview

Stellantis Financial Services (SFS) operates as a captive automotive finance company providing a full-spectrum of financing and lending products exclusively for Stellantis dealerships and customers. The core offerings center on retail and lease financing for Chrysler, Dodge, Jeep, Ram, Wagoneer, Alfa Romeo, and FIAT vehicles, supported by the mySFS digital platform for account management, payments, and servicing. Dealer Services include commercial lending (floorplan financing, acquisition loans, revolving credit), remarketing tools, and the Second Pencil digital rehash tool. Business Lending provides lines of credit starting at $250k for commercial fleet operations. Ancillary products through Mopar include FlexCare extended warranties, GAP protection, prepaid maintenance plans, lease protection products (Lease Wear and Tear, Lease Protect, Platinum Lease), and Mopar accessories. The Insurance product offers branded auto coverage, while the Learning Center provides customer education resources.

Differentiator

Problem solved

Functional benefit

Brands

• mySFS: Online account management portal and mobile application for Stellantis Financial Services customers to manage their accounts, make payments, and access documents.
• SFS Dash
• FlexCare
• Mopar

Products and services

• mySFS Digital Account Management Platform Web portal and mobile application (iOS App Store, Google Play) that lets Stellantis Financial Services retail and lease customers manage accounts, make payments, enroll in auto-pay, view e-statements, and access customer services.
• Retail Auto Financing Fixed-rate simple interest auto loan financing for new and used Chrysler, Dodge, Jeep, Ram, Wagoneer, Alfa Romeo, and FIAT vehicles, acquired through assignment of retail installment contracts from authorized Stellantis dealerships.
• Vehicle Lease Financing Vehicle leasing for new and pre-owned Stellantis brand vehicles through authorized dealerships, with multiple term/mileage configurations, residual value assumptions, and lease-end options including early termination.
• Floorplan Financing Inventory floorplan financing for Stellantis dealers, including acquisition loans, revolving credit lines, new and used vehicle inventory flooring, comprehensive insurance, and direct auction unit flooring.
• Business Lending Lines of Credit Lines of credit starting at $250,000 for small business and commercial fleet vehicle financing, including new and used vehicle credit lines, cash management, capital loans, revolving lines of credit, real estate/construction financing, TRAC leasing, and upfits/specialty vehicle accommodations.
• Dealer Services and SFS Dash Dealer Portal Dealer-facing service offering that includes the SFS Dash portal for payoff quotes and account info, credit desk support, priority funding, lead generation, loyalty marketing programs, remarketing tools, and dedicated dealer relationship manager support.
• Stellantis Insurance Branded auto insurance product for Stellantis vehicle owners, offering tailored protection and coverage options with bundle savings, delivered through the SFS financing ecosystem.
• FlexCare Extended Warranty Factory-backed extended service contract covering over 5,000 mechanical components beyond the original vehicle warranty, offered in Basic, Better, and Best Protection plan tiers.
• GAP Protection (Guaranteed Automotive Protection) Waiver covering the financial gap between the primary insurance settlement and the outstanding financing balance in the event of total loss or theft.
• Lease Protection Suite (Lease Wear and Tear, Lease Protect, Platinum Lease) Three lease-end coverage products—Lease Wear and Tear (interior/exterior wear charges, audio, excess tire wear), Lease Protect (paintless dent repair, windshield cracks, tire/rim, key fob), and Platinum Lease (mechanical, rental, towing, roadside, key fob, tire/wheel, oil changes).
• Mopar Prepaid Maintenance Prepaid oil change and Essential Care maintenance plans serviced through Mopar service departments at Stellantis dealerships.
• Second Pencil Digital Rehash Tool Dealer-facing digital tool that rehashes deal structures for speed, accuracy, and policy compliance, giving dealers autonomy to refine credit applications.
• Remarketing Services Dealer remarketing services providing grounding tools and advanced sourcing opportunities for used inventory and off-lease vehicles through the SFS platform.
• Vehicle Incentives Platform Cloud-based platform that lets customers search by ZIP code for regional cash offers, lease pricing, and APR financing rates on Stellantis vehicles.

Quantifiable outcome

• 80/20 enhanced dealer reserve split for floorplan dealers (+5% additional)
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Scale indicators5 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Toyota Financial Services: Captive finance arm for Toyota and Lexus in the US, offering retail financing, leasing, and dealer floorplan financing. Directly comparable as a brand-aligned captive finance company operating on the same product taxonomy and dealer-funded model.
• Ford Motor Credit Company (Ford Credit): Captive finance company for Ford and Lincoln, providing retail loans, leases, dealer floorplan financing, and commercial lending. Closely comparable captive model across all major finance products including insurance via Ford Protect.
• GM Financial: Captive finance arm of General Motors offering retail auto financing, leasing, dealer floorplan, and commercial lending across Chevrolet, GMC, Buick, and Cadillac brands. Directly comparable in scale, product breadth, and captive distribution model.
• Honda Financial Services: Captive finance company for Honda and Acura, providing retail loans, leases, and dealer services. Comparable in the same captive single-OEM model with national US footprint and similar product suite.
• Nissan Motor Acceptance Corporation (NMAC): Captive finance arm for Nissan and Infiniti in the US, offering retail financing, leasing, and dealer commercial lending. Comparable captive model for a non-luxury mass-market OEM with similar credit-quality distribution.
• Hyundai Capital America: Captive finance company for Hyundai and Kia in the US, providing retail and lease financing, dealer floorplan, and commercial lending. Comparable as another Asian-OEM captive with growing US market share and similar product structure.
• Volkswagen Credit (VW Financial Services): Captive finance arm for Volkswagen, Audi, and other VW Group brands in the US. Comparable captive model for a multi-brand European OEM with similar retail, lease, and dealer floorplan products.
• BMW Financial Services: Captive finance company for BMW and MINI in the US, offering retail financing, leasing, and dealer services. Comparable captive model with luxury/premium positioning and similar product suite including ancillary protection products.
• Mercedes-Benz Financial Services: Captive finance arm for Mercedes-Benz in the US, providing retail and lease financing along with insurance and protection products. Comparable captive model with similar luxury brand alignment and multi-product offering.
• Mazda Financial Services: Captive finance provider for Mazda in the US, offering retail loans, leases, and dealer services. Comparable as a smaller-scale captive finance arm for a single mass-market OEM, useful as a size benchmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/first-investors-financial-services

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stellantis-Fs