The Chase Auto portal combines your search and financing.
Get pre-qualified online to see your estimated terms.
Your auto loan lives in the Chase Mobile app with your other accounts.
Shop thousands of cars from their trusted U.S. dealer network.
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The Online Pre-qualification+
The first step is a simple one. Use the Chase Auto portal online to get pre-qualified for your financing. This provides you with clear numbers to work with—your estimated rate and your potential monthly payment. It’s a quick check that uses a soft inquiry, so it has no impact on your credit score. This step provides the clarity needed to shop for a car with a confident, realistic budget.
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An Uncluttered Shopping Experience+
The online Chase Auto portal is your single, uncluttered place to shop for a vehicle. There, you can browse thousands of new and used cars from our network of trusted U.S. dealers. As you shop, you will see your personalized payment estimates on each vehicle. This removes the guesswork and the need for complex calculations. It is a clear, simple way to find the right car for your budget.
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The Core Benefit: One Account for Your Life+
This is the essence of a simplified financial life. For existing Chase customers, your auto loan lives in the same secure place as your other accounts. You can open the Chase Mobile app and see your checking account, your credit card, and your auto loan. It’s one login and one clear view for your most important finances. This integration is the simplest way to manage your complete financial picture.
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A Clear and Simple Closing+
When you find the car you want on our portal, you take your financing offer to the participating dealership. The final steps are clear and focused. Your time at the dealership is spent on what matters—test driving the vehicle and finalizing the purchase. Because you’ve handled the financing work upfront, the process at the dealership becomes much simpler.
Top Auto Loan Options in the U.S.
- Chase Auto Loan – Soft-pull prequalification, tailored APR estimates, a generous 30-day rate lock, and financing through Chase’s widespread network of certified dealers.
- Capital One Auto Navigator – Provides soft-pull prequalification and live dealer pricing.
- Bank of America Auto Loans – Fixed-rate options, soft-pull prequals, and customer loyalty perks.
- PenFed Credit Union – Member-focused credit union loans with competitive APRs.
- LightStream (Truist Bank) – Unsecured auto loans, fast processing, and wide vehicle eligibility.
- Carvana Financing – Full digital experience, including home delivery on used vehicles.
Traditional Bank Loans vs. Chase Auto
Many large banks like Wells Fargo provide reliable loans, but often require in-person visits and lack digital tools. Chase delivers the best of both worlds: solid lending backed by J.P. Morgan Chase, plus online prequal, dealer inventory access, and the convenience of rate locking and mobile tracking.
Online Lending Platforms
If you’re comparison shopping, platforms like Capital One Auto Navigator, LightStream, and myAutoLoan are great for quick, soft-pull prequalification and rate comparisons without dealership visits. However, they may not integrate financing directly with dealer inventory like Chase does—where you get both digital ease and dealer support all in one package.
Chase Auto Loan Experience
- Step 1: Prequalify online. A soft credit pull provides estimated borrowing power, rate, and term options—no impact to your credit score.
- Step 2: Lock your rate. Chase secures your rate for 30 days, giving you time to shop without pressure.
- Step 3: Shop and apply. Use Chase’s dealer network to browse inventory and apply online or in-store—no repeated credit checks if it’s within that 30-day window.
- Step 4: Finalize and drive. Once approved, Chase sends financing to your dealer. Most decisions come in 2–3 hours during business days.
Chase also supports lease buyouts and auto refinancing if your vehicle meets eligibility.
Unsecured Personal Loans vs. Chase Auto Loans
Chase offers unsecured personal loans, but their auto loans are secured with your vehicle—resulting in better APRs, more suitable loan terms, and direct connection with dealer financing, making them a smarter choice for car purchases.
Buy Here, Pay Here vs. Chase Auto
Buy Here, Pay Here dealerships promise quick approval but often involve high APRs, weekly payments, and murky terms. Chase delivers transparent, monthly payments, credit bureau reporting, dealer-network convenience, and nothing hidden—reportedly no application or prepayment fees.
How Auto Loans Impact Your Finances and Credit Score in the U.S.
Getting prequalified with Chase uses a soft inquiry, which won’t affect your FICO score. Once you apply formally, a hard inquiry is recorded—but if you apply multiple times within about 30–45 days, FICO treats them as one, to allow for comparison shopping.
As you make timely monthly payments, you’ll strengthen your payment history—the most important factor in your credit score—and maintain a solid Debt-to-Income (DTI) ratio, which helps in future financing decisions like mortgages. Just be careful: missed or late payments can reduce your credit score and add fees. Using Chase’s AutoPay and mobile alerts keeps you on track—keeping your credit healthy and helping you avoid surprises.
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