Frequently Asked Questions

Prequalification gives you an idea of how much you may be able to borrow. We base this estimate on your self-reported income, an estimated Annual Percentage Rate (APR) determined by your credit and a term of 72 months. Prequalification isn't a loan application or a guaranteed financing offer.

Prequalification gives you a sense of how much you can borrow before you apply for financing.

Sometimes the information requested by this tool isn't enough for us to provide a prequalification amount. Something as simple as an address inconsistency or a freeze on your credit may prevent us from being able to give an immediate response. If that happens, we'll provide you with the resources you need to connect with a dealer in our network who can work with you to find a car and financing that work for your budget.

Allowing a review of your credit report for a prequalification or checking your own credit report is called a "soft inquiry." Soft inquiries do not affect your credit score because you are not actually applying for new credit.

Your prequalification is an estimate based on your self-reported income, an estimated Annual Percentage Rate (APR) based on your credit, and a term of 72 months. Now that you have an idea of how much you may be able to borrow you can start shopping for a car at a dealer in our network. You may submit your application online or apply directly at the dealership when you are ready to finance your car.

Any financing will require an application and be subject to Chase's then-current underwriting standards including but not limited to, income, credit, ability to repay, and collateral requirements. If you decide to apply for Chase financing, Chase will obtain a new credit report after receiving your completed application for credit.

If you're a Chase customer, you may already have an approved offer when you sign in to your account under "Just For You" or you may have received one by email. You should use the pre-approved offer.

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.

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.

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.

Chase Auto does not charge an application fee.

No, Chase does not offer auto refinancing.

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

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.

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.

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.

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

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.

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.

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

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.

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

• Vehicles older than 10 calendar years
• Vehicles 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

An auto finance application can only be submitted online, please click here to view more information.

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.

Your credit decision and Annual Percentage Rate (APR) are good for 30 days from the decision date.

You may check the status of your application at any time, please click here and sign in to view your application status. If you are an existing Chase customer you can sign in with your username and password; if you are a new Chase customer you can locate your application ID number in the email sent by Chase Auto.

You can change your car information, term and amount at the dealer or with your dedicated Chase Auto representative. Keep in mind that any changes to your request or car could change your credit decision and terms. If you decide to change your dealer, you'll need to complete a new application online at Chase.com/auto and select Apply Now.

Print your approval details or show the dealer your approval email. They'll use this information to look you up in their system so you can complete your financing.

The information you need will depend on your particular situation. When you apply, we'll let you know which documents to bring to the dealer, along with proof of insurance and a valid driver's license.

Your credit decision and terms are sent to your dealer upon approval. You can go directly to the dealer to finalize your documentation and purchase your vehicle.

Please use our Dealer Locator to find a dealer in our network.

If your dealer does not return in the dealer search on Chase.com, you will need to apply directly at the dealership. Your financing may or may not be with Chase.

If we approve your auto finance application, we'll let the dealer know the details of your application decision.

Your dealer will work with us to complete this process and they'll be able to give you this information.

You'll receive quarterly statements in the mail. To manage your paperless preferences, sign in to your account and click on "Profile & settings" in the upper left navigation on chase.com then select "Paperless". From here you can turn paperless statements on or off.