Looking for a flexible way to finance a new or used car with a lender you already recognize? CHASE AUTO LOAN helps you plan your budget up front, shop at thousands of participating dealerships, and finalize competitive financing backed by a top U.S. bank. You can even start with a quick prequalification to understand your estimated buying power before you step onto the lot.
CHASE AUTO LOAN
Free Credit Score Shop for a car onlineThis overview walks through the key benefits, how CHASE AUTO LOAN stands out on quality, where you can potentially save, and what to expect from eligibility through application. You’ll get practical pointers you can act on immediately—no hype, just clear steps.
Benefits
- No-impact prequalification: Check your estimated loan amount with a soft inquiry, so your credit score isn’t affected. Great for comparing options early.
- Dealer network convenience: Finance directly at a dealer in Chase’s network—streamlined paperwork and support from teams who know the process.
- Tools to plan your payment: Use Chase’s calculator to estimate monthly payments and explore how price, term, and down payment affect affordability.
- Educational resources: Learn how APR works, which factors affect your rate, and tips for getting a better offer—before you apply.
- Refinance option: If you already have an auto loan, Chase offers refinancing (availability varies by state) with clear vehicle and account requirements.
- Relationship perks: Chase Private Client customers may qualify for a rate discount when applying online.
Quality You Can Count On — And How It Helps You
Chase streamlines the journey from budget planning to keys-in-hand. The prequalification flow makes it easier to set realistic expectations early; the dealer network simplifies closing at the place you buy; and the education center helps you understand APR, term length, and total cost so you can choose terms that fit your life. Together, these quality touches reduce surprises, speed up the dealership visit, and support better long-term affordability.
Ways to Save and Build a Smarter Budget
Chase’s calculator lets you test scenarios—adding a down payment, picking a shorter term, or comparing vehicles—to see how each change affects your estimated monthly payment. Understanding APR vs. interest rate and the fees that can increase APR helps you target the lowest true borrowing cost. If you’re eligible for a relationship discount (e.g., Chase Private Client), that can further reduce your rate.
More Savings Opportunities Over Time
Already financed elsewhere? Refinancing through Chase could lower your monthly payment or adjust your term—useful if rates or your credit profile have improved. Note that refinancing isn’t available in all states and has specific requirements (see “Eligibility”). Always compare total interest paid over the life of the loan before switching.
Security, Transparency, and Control
Prequalification uses a soft inquiry (no score impact). When you formally apply, Chase performs a hard pull—a standard step for any lender—so you always know when your score could be affected. Clear disclosures and eligibility checks (vehicle age, mileage, and title status) protect you from financing cars that don’t meet program standards.
More Ways Chase Helps You Feel Secure
Chase explains how lenders set rates (credit history, down payment, term length, vehicle age), so you can improve factors within your control before applying. Education around APR and fees further reduces surprises, giving you a predictable payment plan you can stick with.
Application Process
- Prequalify online (soft inquiry): Get an estimated amount and term so you can shop within budget—no impact to your credit score.
- Shop a network dealer: Choose your vehicle at a participating dealership; you can also use Chase’s tools and inventory experiences to prepare.
- Apply at the dealer or online: Submitting a full application triggers a hard credit pull and credit review. Provide ID, income, and other required details.
- Verify vehicle eligibility: The dealer and Chase confirm vehicle age, mileage, use, and title status meet program rules.
- Select terms and lock rate: Choose term length and down payment; understand how each affects payment and total interest.
- Sign and drive: The dealer originates the contract and assigns it to Chase; you leave with financing in place.
Step-by-Step: How to Apply for CHASE AUTO LOAN
- Check your credit & budget with Chase’s payment calculator.
- Get prequalified to see your estimated amount without impacting your score.
- Pick a car at a Chase network dealer that meets age/mileage rules.
- Submit your full application (hard inquiry) with required documents.
- Review your offer (APR, term, payment) and ask about any eligible rate discounts.
- Sign the contract at the dealer and drive off with financing from Chase.
Rates, terms, and eligibility are subject to change and credit approval. Always review current details on Chase’s site before applying
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