Chase Auto Loans: Financing That Matches Your Drive

Chase Auto Loans offers a refined path to financing your next car—complete with soft prequalification and quick approvals.

Chase Auto Loans offers a smooth process: prequalify online, get quick approval, and complete your purchase at a network dealership  . Whether you’re browsing cars from your couch or leaning on dealership support, Chase brings reliability and convenience together.

Why Chase Auto Loans Are a Smart Choice

• Soft-Pull Prequalification
  Get an estimated loan amount, monthly payments, and APR without affecting your credit score.
• 100% Financing Possible
  No down payment? No problem—Chase offers full financing up to 140% of a car’s value.
• Dealer Network Across the U.S.
  With over 10,000 dealerships in their network, Chase gives you flexibility in where you shop.
• Fast Decisions with No Fees
  Most loan decisions take 2–3 hours after application, and there are no origination or early-payoff fees.
• Private Client APR Discount
  Chase Private Clients get a 0.25% APR reduction when applying online.
• Wide Loan Terms Available
  Choose repayment schedules from 12 to 84 months.

What You Should Know Before Applying

1. Dealer Purchase Only
   Financing is available only through Chase-affiliated dealerships—no private-party loans.
2. Vehicle Requirements
   Cars must be ≤10 years old, with ≤120,000 miles; “new” is defined as current-year or one-year-old models up to 6,000 miles.
3. Loan Amount Range
   Minimum loan amount is $4,000; there’s no maximum, covering nearly any vehicle.
4. Credit Checks Explained
   Prequalifying uses a soft pull; when you submit the final application, a hard pull determines your actual terms.
5. Offer Valid for 30 Days
   Your rate, amount, and terms are locked for 30 days—great for taking time to shop.
6. Hardship & Grace Policies
   Chase offers a grace period for late payments and hardship assistance.

How Chase Auto Loans Work

1. Prequalify Online
   Use your personal info—name, income, credit history—to estimate your loan amount and rate with a soft pull.
2. Shop Cars in the Network
   Browse Chase’s car-education section and dealer inventory to find a vehicle within your budget.
3. Apply Through Dealer or Online
   Once you find a car, apply online or let the dealer submit your loan request—they’ll handle the hard pull.
4. Get Approved Fast
   Typically within a few hours—Chase sends loan details to you and the dealer, so you can finalize the purchase.
5. Sign Papers & Drive Off
   Review and sign your loan contract at the dealership; then drive home in your new vehicle.
6. Manage Your Loan Easily
   Pay via Chase’s app or online, set autopay if you like, and check account details anytime.
7. Refinance Option Available
   Already have a loan? Chase also offers refinancing through its auto portal.

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