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Chase Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 September 2023
Fact checked

A quick review of Chase Bank auto loans

Chase Bank logo

You can quickly shop, finance, and manage auto loans with JPMorgan Chase Bank, N.A. (Chase). However, Chase only offers new and used vehicle financing from its network of dealerships. Whether you’re looking for a new or pre-owned ride, you can get prequalified online and receive your loan decision within 2 to 3 hours.

Want to see what a Chase auto loan will cost? Try the Chase auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Chase Bank auto loan features

  • Minimum loan amount: $4,000.
  • Maximum loan amount: $600,000.
  • Interest rates: Estimate your rate.
  • Loan terms: Up to 72 months.
  • Loan fees: No application fees. $195 origination fee in Indiana.
  • Discounts: Potential lower rate for borrowers in good credit standing.

Chase Auto loan options

New and used vehicles

Chase Auto only finances auto loans from their partner network of dealers. That said, you can’t apply through Chase if you purchase from a private seller or a broker. Nonetheless, you can choose from a wide range of new and used car selections from thousands of dealerships across multiple states.

Lease buyout

You can also buy your current leased vehicle through Chase. To know your lease-end options, you can contact Chase Bank directly. Moreover, you can lease a new car from one of the bank’s network of dealers.

Business auto loans

If you want to purchase a vehicle for business purposes, you can apply through a Chase relationship manager at any branch. Alternatively, you can visit Chase’s business lending site.

Chase auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Chase

Chase auto loan

Chase auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Chase auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Chase Bank auto loan

Eligibility criteria

  • Must be 18 years old or older
  • Either be employed or have a steady source of income
  • Must purchase from a partner dealership

Though Chase doesn’t specify the credit requirements, it pays to check your credit score, too. Banks, lenders, and credit unions commonly offer their best rates and terms to applicants with good credit. So, understanding your financial standing can help you make certain adjustments to qualify for lower rates and more flexible terms.

What you’ll need to have ready:

When you apply for auto financing with Chase, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Chase Bank with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, proof of income (such as federal tax returns and W-2s), and financial statements.

When you apply through Chase Auto, the bank also needs details about your vehicle. These include the make, model, year, and trim. Moreover, you need to indicate the dealer’s name when you apply online. In case you can’t find the dealer through Chase.com, you need to apply at the dealership.

Ways to apply for a Chase auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-336-6675

Additional Chase auto loan details

  • Automatic payment: Available.
  • Loan approval times: As quick as 2-3 hours.
  • Rate discounts: Potential lower rates for borrowers with higher credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Older than 10 calendar years.
  • Maximum vehicle mileage: 120,000 miles.
  • Other vehicle restrictions: Commercial and recreational vehicles are unavailable. Vehicles that are used for taxis, limousines, ride share, Uber, etc. Must be purchased from a dealer in Chase’s network.

Pros and cons

Pros

  • Easy online application.
  • Quick turnaround time (2-3 hours).
  • Free credit score check.
  • Thousands of partner dealers.
  • Available in all states.
  • Co-borrowers allowed.
  • No early payment fees.
  • No application fees.
  • Possible lower rates for car buyers with high credit scores.
  • Get prequalified online without affecting your credit score.
  • Car-buying services and resources available.
  • Easy-to-find network of dealers.

Cons

  • No financing options for commercial vehicles.
  • No loans for recreational vehicles, motorcycles, and boats.
  • Doesn’t offer auto refinancing.
  • Limited to Chase’s partner dealers.
  • Undisclosed interest rates.
  • Origination fee of $195 if applying at a dealer in IN.

Frequently asked questions

How long does it take to get approved for a Chase auto loan?

You may receive the loan decision within 2-3 hours. If Chase needs further information on your application, it may take longer.

Where can I apply for a Chase auto loan?

You can apply for Chase auto financing online. If you can’t find your selected dealer on the dealer locator tool, you can apply directly at the dealership from Chase network. Remember that all applications are subject to credit approval.

How much interest does Chase charge on car loans?

Chase Bank does not specify the auto loan rates online. However, you can estimate your rates and monthly payments on their website or get prequalified to know your possible loan offers.

Does Chase refinance auto loans?

No. Chase Auto doesn’t offer car loan refinancing.

Do I need a Chase account to get financing?

No. You don’t need to create a Chase auto account to finance a vehicle with Chase.

Can I change the payment due date on my loan?

You can change your payment due date twice over the life of your loan.

How do I pay my Chase auto loan?

You can make your monthly payment online, through Chase’s mobile app, over the phone, in person, and by mail.

Will applying for a car loan with Chase affect my credit score?

If you push through with your application, Chase will make a hard credit check. This will then appear on your credit report, so it can temporarily decrease your score.

Video: Auto financing made easy with Chase

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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