Frequently Asked Questions

What information do I need to apply?

To complete an application, you'll be asked to provide your personal information such as name, address, Social Security number, employment information, income, email address and your vehicle make, model, trim and the details of your requested financing. If you're an existing Chase customer the information stored in your Chase profile will pre-fill upon signing in. Keep in mind we may ask for additional information based on your auto finance application.

What are the credit requirements to apply?

We use a number of factors when making credit decisions, including the information you provide in your application and the information in your credit bureau report.

What should I do if I have a credit freeze?

If you have a credit freeze, you will need to temporarily lift or permanently remove your security freeze by contacting all three credit bureaus (Equifax, TransUnion and Experian) before you submit an application.

Is there an application fee?

Chase Auto does not charge an application fee.

Does Chase offer auto refinancing?

No, Chase does not offer auto refinancing.

Does Chase offer auto financing on private party/person to person vehicle purchases?

No, Chase does not offer auto financing on private party vehicle purchases.

How do I apply for auto financing for a business?

To apply for business financing, you'll need to work with a relationship manager at a Chase branch or visit our business lending site by clicking here.

What if I don't know exactly how much money I need to borrow?

Your exact amount may change as you work out the details with your dealer. It's best to be as accurate as possible because changes can affect your approval and terms. Your dealer can update the final amount once you agree on a final price.

What's the difference between applying for financing at a dealer and applying directly with Chase?

If you apply for financing directly with us, only Chase will receive your application. If you apply at a dealer, they may send your application to multiple lenders.

Do I have to apply for credit again when I get to my dealer?

When you apply with us, your dealer will have the approval details so there's no need to re-apply.

If you approve my application, am I obligated to finance with Chase?

You don't have to finance with Chase, even if we approve your application. However, if you want to take advantage of this offer, contact your dealer.

What is the interest rate for my new car?

Our Auto Finance Calculator provides estimated rates and monthly payments.

You'll need to submit an application to determine your credit decision and Annual Percentage Rate (APR). If you've already applied please click here and sign in to view your application status or contact your dealer to determine your interest rate.

What interest rates do you offer?

Please use our Auto Finance Calculator for assistance with interest rates.

What will my monthly payment be?

Your monthly payment will change depending on several factors, including your amount financed, term and APR. To see an estimated monthly payment, please use our Payment Calculator.

Are there any vehicles Chase does not finance?

The following vehicles are not eligible for financing, include but are not limited to:

  • Vehicles older than 10 calendar years
  • Teslas older than 5 calendar years
  • Vehicles with more than 120,000 miles
  • Commercial vehicles
  • Salvaged or branded title vehicles
  • Vehicles that are not titled or registered in one of the 50 United States or District of Columbia
  • Vehicle usage for taxis, limousines, ride share, Uber, Lyft, etc.
  • Motorcycles, recreation vehicles (RV), boats or aircraft
  • Certain exotic makes

Chase Auto’s digital car buying service that is designed to give you a customized car buying experience, which may include shopping online from home and connecting with both local and online retailers to complete your purchase. You can even browse new and used inventory from Dealers in the Chase Auto network based on your vehicle search preferences.

Once you select a car, you’ll connect with a participating Dealer who will guide you through your car buying experience, including helping you choose the financing option that’s best for you, which may or may not be with Chase. You do not have to finance your vehicle with Chase. If you are only interested in auto financing, please visit to explore your options.