Prequalify online in minutes without affecting your credit score. Compare real rates, estimate payments, and find financing that fits your budget.
Access Chase’s calculators and educational tools to explore monthly payment options, down payments, and refinancing opportunities.
Get prequalified before you shop — Chase partners with over 11,000 dealerships nationwide so you can walk in ready to negotiate.
Finance your next car with the security and reputation of JPMorgan Chase, one of the largest and most trusted banks in the U.S.
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What Is the Chase Auto Prequalification Tool?+
It allows you to see estimated loan terms and rates without impacting your credit score.
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Can I Refinance My Current Auto Loan with Chase?+
Yes — Chase offers refinancing options to lower your interest rate or monthly payment.
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Does Chase Finance Lease Buyouts?+
Absolutely. If you love your leased car, Chase can help you purchase it at the end of the term.
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How Can I Get a Better APR with Chase?+
Maintain a strong credit score, use autopay, and explore dealer promotions that may reduce your APR.
Owning a car in the United States represents freedom, convenience, and control over your daily routine. Chase Auto, part of JPMorgan Chase & Co., has become one of the most popular options for Americans looking to buy or refinance a car with flexible, transparent financing solutions. With its mix of digital tools and personalized service, Chase helps drivers find the best auto loan that fits their lifestyle and financial goals.
Why Finance with Chase Auto?
- Prequalification with no credit impact — get personalized rates in minutes without hurting your credit score.
- Competitive APRs starting around 4.99% for well-qualified borrowers and promotional deals available through select dealerships.
- Extensive dealership network — access thousands of partner dealers across the country, including top brands like Toyota, Honda, Ford, Chevrolet, and Nissan.
- Flexible terms — loan durations from 36 up to 84 months, giving borrowers more control over their monthly payments.
- Refinancing options — reduce your interest rate or monthly cost by transferring your existing auto loan to Chase.
Chase also offers digital management through the Chase Auto app, allowing customers to make payments, view loan details, and track their payoff progress in real time. Their online calculators and simulators are especially helpful for planning and comparing monthly costs before you even visit a dealership.
Types of Chase Auto Loans
- Traditional Auto Loan: Ideal for new or used vehicles purchased from authorized dealerships. Flexible down payment and term options.
- Refinancing Loan: Helps lower your rate or monthly payment on an existing auto loan from another lender.
- Lease Buyout Loan: Perfect if you want to keep your leased car and own it outright when the lease ends.
- Private Party Auto Loan: Enables you to finance a vehicle purchased directly from another individual, not a dealership.
Example Loan Simulation
| Vehicle | Price | Down Payment | Term | Estimated APR | Monthly Payment |
|---|---|---|---|---|---|
| 2022 Toyota Camry | $28,000 | 10% ($2,800) | 60 months | 5.25% | ≈ $477/month |
Example only. Actual rates depend on credit score, income, and location.
Chase vs. Competitors
| Feature | Chase Auto | Capital One Auto | Ally Financial |
|---|---|---|---|
| Prequalification | ✅ Soft inquiry | ✅ Soft inquiry | ❌ Full application |
| Loan Terms | Up to 84 months | Up to 72 months | Up to 75 months |
| APR Range | From 4.99% | From 5.34% | From 5.49% |
| Lease Buyout | ✅ Yes | ✅ Yes | ✅ Yes |
| Mobile App Support | ✅ Full online management | ✅ Limited tools | ✅ Basic portal |
Key Takeaway
Chase Auto stands out for its mix of nationwide reach, competitive rates, and easy online prequalification. The ability to manage your loan fully online while still enjoying strong dealership support makes Chase an excellent choice for both first-time buyers and experienced borrowers. Whether you’re improving your credit, upgrading your car, or refinancing for better terms, Chase Auto provides tools and flexibility to help you drive confidently.
Want to learn how to get approved faster and boost your credit profile before applying? → Check the next page for insider tips and proven approval strategies.
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