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Chase Auto Refinance

in Auto Loan Refinancing from Chase Bank

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Chase Auto Refinance

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Highlights
Highlights
APR  (Variable APR) 4.89% - 5.24%
Credit Score Range 650 - 850
Loan Term 48 - 72 months
Loan Amount $7,500 - $100,000

Chase Auto Refinance Review

Chase Auto Refinance is an auto loan refinance offering by Chase Bank, based in New York, NY. Founded in 1877, Chase Bank offers auto refinance loans in 50 states (and Washington, DC).

How much can you borrow via Chase Auto Refinance?

Auto refinance loan amounts start at $7,500 and go up to $100,000.

What are the auto loan refinancing rates offered through Chase Auto Refinance?

Chase Auto Refinance offers a variable APR auto loan refinancing product that ranges from 4.89% APR up to 5.24% APR.

What is the maximum loan term you can get with Chase Auto Refinance?

Chase Auto Refinance offers auto refinancing with terms ranging from 48 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Chase Auto Refinance charge an origination fee on auto refinance loans?

No, Chase Auto Refinance does not charge a loan origination fee for refinancing an auto loan.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does Chase Auto Refinance charge a late fee?

Yes, auto refinance loans via Chase Auto Refinance are subject to late payment penalty fees.

Does Chase Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for Chase Auto Refinance?

Applicants with a credit score of at least 650 and up to 850 are eligible for Chase Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Chase Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Chase Auto Refinance only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Chase Auto Refinance. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit
  • Proof of residence

What is the maximum mileage to refinance with Chase Bank?

Chase Bank is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 120000 miles on the odometer.

What is the maximum car age to refinance with Chase Bank?

Only vehicles that are 10 years old or less can qualify for an auto refinance.

Does Chase Auto Refinance report your account activity to credit bureaus?

Chase Auto Refinance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Credit Score Range 650 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Maximum Mileage 120,000
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Proof of Residence
  • Social Security Number
  • U.S. Tax Identification Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed (Hours) 48
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Payment Options
  • Automatic Payments
  • Bank Transfer
  • Cash
  • Check by mail
  • Credit/Debit Card
  • Storefront
APR (Variable APR) 4.89% - 5.24%
Loan Term 48 - 72 months
Loan Amount $7.5K - $100K

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