The Wall Street Journal reports that Chrysler is in talk with plenty of major lenders including JP Morgan (NYSE:JPM) and Ally Financial about starting an in-house consumer and dealer auto-lending and loan operation through a joint venture.Chrysler has used Ally as its preferred leader for loans and leasing, but the contract is scheduled to end in 2013.JPMorgan Chase (NYSE:JPM) has potential upside of 19.7% based on a current price of $38.17 and an average consensus analyst price target of $45.7.