Why auto refinancing might be right for you

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Lower interest rate

Now might be the right time if your credit score has improved, interest rates dropped or you didn’t receive the best initial rate.2

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Exclusive rate discounts

Take advantage of our rate discounts for Chase checking customers.3

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Lower monthly car payments

You may be able to reduce your monthly loan payments by lowering your APR or by choosing to extend your existing terms.4

Chase Auto Refinance Rates


Rates are currently unavailable

Assumptions for rates shown: loan-to-value of 95% for used vehicles, which is from the previous model year, excellent credit history (FICO® credit rating of 740 and above), loan amount of $23,000.

Exclusive rate discounts — Up to 0.50% for Chase customers

Qualifying Chase personal checking accounts can receive a 0.25% rate discount.
Plus, an additional 0.25% rate discount if you enroll in automatic payments and continue to have your monthly payments automatically deducted.

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Refinance Payment Calculator

Our calculator helps you estimate your monthly payment and total interest paid over the life of your loan. Input your loan information and calculate.


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Ready to refinance your car loan?

Apply online today and see if refinancing is right for you.

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1 Refinancing is subject to credit approval by JPMorgan Chase Bank, N.A. (“Chase”). You may apply online or by calling 1-866-449-7204. Rates will be determined at the time you apply based on application information. Additional terms and conditions apply such as vehicle age and mileage. If you decide to refinance with JPMorgan Chase Bank, N. A. (“Chase”), you may be able to lower your monthly loan payment or reduce your APR. However, if you choose a loan term that is longer than the term left on your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your auto loan is right for you.

2 Additional terms and conditions apply, such as vehicle age and mileage. Annual Percentage Rates (APR) shown for Chase customer rate discounts include the maximum discount of 0.50%, as described below. Rates and discounts are subject to change at any time. Actual APR will be determined when you apply and will be based on your application and credit information. The APR shown in the chart is based on a loan amount of $23,000, a loan-to-value ratio of 95% for used vehicles, which is from the previous model year, and excellent borrower credit history (FICO® credit rating of 740 and above). The Loan Calculator assumes 30 days in a month and a first payment scheduled 30 days after the start date of an auto loan to calculate a monthly loan payment example. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $418.41 over a 60 month loan at 3.5% APR. No down payment is required.

3 Qualifying for rate discounts: You get 0.25% off standard auto loan rates if you have a Chase personal checking account when you apply. You get an additional 0.25% discount if you have your monthly loan payment automatically deducted from this Chase account if you enroll at loan closing; however this continues only for as long as you continue automatic deductions. Rate discounts are subject to change at any time. Discounts are only available on loans refinanced with Chase and are not available on new car financing closed with the dealer. For information on how to open a checking account, visit chase.com or find a Chase branch near you.

4 We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates and we don’t guarantee the results or your ability to receive the loan terms.