Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -58
Strongly not recommended52 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$4,000 - $600,000
Disclaimer popup with additional information
APR (Fixed APR)
2.99% - 24.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
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Loan Term (Months)
Up to 72
Number of Reviews
Chase Auto Finance Review
Chase Auto Finance is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Auto finance are available in 50 states and Washington, DC.
Chase Auto finance FAQ
How much can you borrow via Chase Auto finance?
Chase Auto finance loan amounts start at $4,000 and go up to $600,000.
What APR does Chase Auto finance offer on its car loans?
Chase Auto finance offers a fixed apr car loan product that ranges from 2.99% APR up to 24.99% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Chase Auto finance?
Chase Auto finance has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Chase Auto finance charge an origination fee?
Yes, Chase Auto finance may charge a loan origination fee .
Does Chase Auto finance charge a late fee?
Yes, Chase Auto finance charges borrowers with a late payment penalty fee
Does Chase Auto finance charge prepayment fees?
Yes, Chase Auto finance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Chase Auto finance loan?
Yes, you can. However, Chase Auto finance charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Chase Auto Finance?
Applicants with a credit score of at least 650 and up to 850 may be eligible for Chase Auto Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Chase Auto Finance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Chase Auto finance?
Chase Auto finance will typically fund the car loan within 7 business days of approval.Does Chase Bank perform a hard credit pull?
Yes, Chase Auto finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Chase Bank a legit company?
Chase Bank was founded in 1877, it is a well-established company that has been in business for 149 years. Chase Auto Finance is strongly not recommended by SuperMoney community users.
Chase Auto Finance Disclosure: "Annual Percentage Rates (APR) shown are determined based on the selected dealer state and an estimated loan-to-value ratio of 100%. Loan details are estimates, based on the information you provided, and Chase does not guarantee the results or your ability to receive these terms."
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Chase Auto finance
Message from our editor
What We Love About Chase Auto Loans
Chase offers competitive interest rates on auto loans and has a low bar for eligibility. Consumers can get a loan with a fair credit score or higher, and there are no public income requirements listed. Chase doesn’t require an application fee and, in most states, has no origination fee. As with several other auto lenders, it doesn’t have a prepayment fee for those who choose to pay the loan off early.
What Could Chase Do Better?
Not everyone will qualify for Chase’s auto loans. The car in question needs to be no older than five years old and have no more than 75,000 miles on the odometer. The vehicle cannot have been declared a total loss by an insurance company or sold for scrap. The loans also do not apply to those using the vehicle for commercial purposes, including rideshare services. Those with poor credit will also likely not qualify for this particular loan.
Chase Backstory
Chase has a long backstory that goes back to 1877 when John Thompson created chase National Bank. The bank has since gone through many mergers and acquisitions. There are more than 5,100 branches in the United States, and the bank operates in at least 100 countries. As the largest bank in the U.S. in terms of total assets, it can leverage extremely competitive auto loan rates.
The Verdict
For many people with fair or better credit, Chase offers auto loans that might be useful. There’s no need to visit a dealership to get a loan, and you may receive better rates. The lender also offers a car buying service to help you find the vehicle you are searching for. Chase’s application process is simple and straightforward. It can be done entirely online.
Keep in mind that Chase has eligibility criteria for vehicles, and consumers need to have a certain credit score to qualify. Also, applying for a loan creates a hard credit pull, which can negatively affect your credit score.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Auto Loans from Chase Bank
Amount Range
N/A
APR
1.9% - 20%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Loan Term (Months)
Up to 72
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -58, or 1.8 on a 5-point rating scale.
-58
-1000+100
No one recommends
Everyone recommends
Chase Auto Finance Community Reviews
Would you recommend Chase Auto Finance to your friends?
Alexander B.
Jun 29, 2023
May or may not recommend
Bought out my Mazda CX-9 lease through Chase Auto Finance in January 2023. I never received a bill of sale or a title. It has been over SIX months later and still no bill of sale or title. I have called Chase numerous times to no avail, I just get run in circles with "estimated completion dates" that come and go . I went to the NY DMV but ...Show More
Gus S.
Nov 27, 2022
May or may not recommend
After nine years of perfect payments I had one lease payment that got lost in the mail that was automatically withdrawn and they reported it to the credit bureau that did not show on any of my reports and damaged my score by 60 points also paid off the lease and for six months prior to ending and they would not report to the credit bureau because they said they ...Show More
Dumb N.
Nov 1, 2022
May or may not recommend
For the love of God, if your approved for Chase please don't accept. Been with them since 2018 and it literally has been a nightmare. They don't work with you. You try to get an extension and they say your situation is not long term. I'm currently applying for ss and they still said, denied for extension. I have now sold my car and now it's taken them forever ...Show More
SD
Sharon D.
Mar 7, 2022
May or may not recommend
I have a current loan with Chase and have been in the process of trying to purchase my auto after lease expired. I moved out od state where the DMV wanted the title to be sent to the DMV prior to registering the auto in the new state. Chase did not send the title for seven months despite multiple phone calls in which the customer waits on the ...Show More
JB
Jeanette B.
Jan 18, 2022
May or may not recommend
I paid off my 2012 loan in 2015. In 2017 I noticed my car registration still said Chase Automotive had a lien. I called Chase and they said they would mail release of lien. I definitely confirmed my address with them because I had moved in 2013 and wanted to ensure they had the correct address because I hadn't been receiving mail from them. Cut to 2022, I want ...Show More
SA
Sandra A.
Sep 2, 2021
May or may not recommend
It’s very good and active to use and kind as well
GV
Geovanna V.
Aug 27, 2021
May or may not recommend
Chase Auto told my husband that we didn’t owe anything else when we asked them several times. We requested the buy out documents from chase to give them to the credit union to process our car loan to buy our lease. The credit union failed to process the loan on time and didn’t communicate with us. Chase claims they sent out a notice on August 4,2021 to us but we ...Show More
George A.
May 6, 2021
May or may not recommend
Doing business with one of the largest banks in the country certainly has its perks, but there are a few important things to consider as well – especially if you’re shopping for a Chase auto loan. Their rates are competitive but not the best!! Once you pay off your loan/lease good luck getting a title out of them. Totally incompetent and arrogant. I guess their size affords them the luxury ...Show More
SA
Samuel A.
Dec 23, 2020
May or may not recommend
I have had my auto loan with them since April 2017, 3 years in!!! They are impossible to deal with!!! Horrible customer service and they are not reporting my payments to the credit bureaus but they recently reported that I am 2 months behinde!! I have every single payment receipt for the entire 3 years and have faxed the proof that infact am not behind and they say "we are ...Show More
Sara D.
Dec 8, 2020
May or may not recommend
I would recommend Chase Auto Finance Auto Loans. While having an Auto Loan is not fun, Chase made the service enjoyable. Making payments were very easy. I set up auto payments and this worked very well. I never missed a payment. When my car lease was over, working with Chase to make sure my account was closed was very easy. They are professional and quick to respond.
Ossiana T.
Oct 13, 2020
May or may not recommend
This was the auto lender for a past car of mine. They were very flexible with the terms and were willing to fund me when few others would. I'm 100 percent for Chase. They've never had a problem with me and their customer service is amazing.
Judy D.
Oct 6, 2020
May or may not recommend
They lie about that they work will all types of credit. I have been a chase customer for 8 years and my credit score is 640 and I have lived at my same address for 8 years. I picked out a cheap used car around 11,500 and chase would not finance me. They also do a hard credit check which they say they do not but they do. I am ...Show More
SB
Sabrina B.
Sep 12, 2020
May or may not recommend
I'm not disappointed with the terms of my loan and was able to qualify with a fairly low interest rate. However, viewing my loan online or by using the Chase app is extremely difficult.I can't just pull the app up and see how far ahead I am on payments or track my loan progress. It seems the only thing I can do with the app is get a payoff quote ...Show More
U
Anonymous
Aug 13, 2020
May or may not recommend
i refinance my car with Chase in December 2019, now in July 2020, I found another institute with much lower rate and tried to refinance the car, after filling out the paperwork which was much easier and less painful, the new institute found out that Chase never recorded the title at the DMV and the title is still under the previous owner (CarMax), I contacted CarMax, they said they released ...Show More
DR
Dorene R.
Aug 4, 2020
May or may not recommend
The absolutely the WORST company ever! I purchased my Maserati lease directly from Chase as that is who Maserati uses. HUGE mistake. They are not only incompetent, but seems they did not file the original paperwork with DMV who months after says my registration is incomplete. I completed, signed and has notarized all the documents as instructed TWICE and returned via UPS AND ...Show More
HR
Heather R.
Jul 24, 2020
May or may not recommend
Financed my brand new vehicle through Chase. Made telephone automated payment that never processed due to error. Immediately set up payment for direct withdrawal from my bank account in which the next payment wasn’t withdrawn due to banking error between banks. Chase reported those 2 late payments to the credIt bureau after apologizing for the simple error and payment was received in full. My credit score took a hit and ...Show More
JR
John R.
Jan 14, 2020
May or may not recommend
This place is horrible they won't even give you a receipt to say your debt is paid.
WH
Wendy H.
Jan 10, 2020
May or may not recommend
We opened a Chase auto loan mid September 2019, four months later we wanted to pay off the loan in full as it was a stipulation with being approved for our new home loan, which is luckily through a different finance company. We contacted Chase to get the pay off amount and asked them the fastest way to get this paid and they stated if we brought in a cashiers ...Show More
LR
Lorraine R.
Dec 3, 2019
May or may not recommend
Lousy customer service on top of lousy office work. Paid the amount on the bill they sent and was charged a late fee (I'd overpaid for 2 years before and paid what they sent me as my "minimal payment" one month) - customer service was no help in resolving or giving suggestions on how to resolve, just enjoyed saying "well that's not how it works". Twice I called in to ...Show More
Margaret L.
Sep 27, 2019
May or may not recommend
I have been trying to renew my registration in a new state and they refuse to send me a power of attorney so I can do it. While it is in my dad's name. He has tried and they still refuse. We have called many times and they gave us many different answers and none are near the others. They even hung up on me today (a lady) because she ...Show More
Showing 20 of 52 reviews
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