How financing with
Chase works
1. Apply
Fill in a few details including car choice and dealer to get a credit decision. Don't worry, you can update your car later, if needed.
2. Get financing
Once approved, we'll send the details directly to you and your chosen dealer, saving you time and paperwork.
3. Drive off the lot
Choose your car preferences with the dealer, Chase is available if any financing changes are needed, drive off with confidence.
Not sure how much you
can borrow?
Get prequalified with no impact to your credit score.
Get prequalified
Chase Auto. Financing you
can bank on.
Lock in financing terms in advance
to save time at the dealership
Know your estimated monthly
payment, rate, and feel confident
shopping for your car
Rates are locked for 30 days. Take
your time to shop for your car
Our application takes minutes to
complete, meaning less paperwork
at the dealership
Financing is easier with thousands
of authorized dealers
We make car buying simple
Watch how to finance and shop online in a few steps.
Answers to your financing questions
An auto finance application can only be submitted online.
If you continue to receive a system error message, close out of your browser and try again. If that doesn't work then please try using a different browser (i.e. Firefox, Chrome).
To apply with only your information, please select "no" when asked if you are enrolled in Chase Online during the application. You will then be able to enter your information.
Yes, we need to know which car you'd like to buy and a few details (make, model and trim) as well as the dealer name when you apply so that we can give you the most accurate credit decision and rate.
You can apply alone or with another applicant. Simply choose the option to apply with a co-applicant when starting your application.
Generally, applicants must be 18 years or older to apply.
A down payment is not required but providing one can reduce the amount you need to finance.
Most decisions are available within 2-3 hours. If your application requires a more detailed review, it may take longer. Your credit decision will be sent to the email address on your application.
1 To finance a new or used car with your dealer through JPMorgan Chase Bank, N.A. ("Chase"), you must purchase your car from a dealer in the Chase network. The dealer will be the original creditor and assign the financing to Chase. All applications are subject to credit approval by Chase. Additional terms and conditions apply, such as vehicle make, age and mileage. Your lock applies only to the specific vehicle and terms you requested; any changes may result in a rate change.
2 APR (Annual Percentage Rate) is the cost of credit, expressed as a yearly rate. APRs appearing in rate tables and/or calculator results are based on your input and are subject to change at any time. Additional terms and conditions apply such as vehicle age and mileage. When you apply for credit, your application is subject to credit approval by Chase using your full credit history, related score, income and other factors to evaluate your request and ability to repay. Consider checking your credit report occasionally to be sure inaccuracies aren't impacting your ability to receive credit. Calculator results are also based on your selected dealer state, loan-to-value ratio of 100% and only apply to car purchases from a dealer in the Chase network. If you obtain purchase financing from a dealer in IN, your APR will include an origination fee of $195, as part of the calculation of the cost of the credit, which will make the APR higher than the interest rate when you finance.
3 We provide rate and payment calculators as resources to help you evaluate payment amounts that may be right for you. Calculator results are based on the information you provided, and Chase does not guarantee your ability to receive these terms. The calculator assumes 30 days in a month and a first payment scheduled 30 days after the start date to calculate a monthly payment. Monthly payment amounts vary by term and rate. For example, the minimum payment is $418.41 over a 60 month term at 3.5% APR for an amount of $23,000. No down payment is required.
*Chase does not offer auto refinancing.