Where to pay your Chase auto loan

You can pay your Chase auto loan through Chase Online, the Chase Mobile App, by phone, by mail, or in person at a Chase branch. The fastest and most common method is through Chase Online or the mobile app — both let you set up a one-time payment or recurring automatic payments without calling or visiting a branch.

If you prefer not to use digital banking, you can call Chase Auto Customer Service at the number on your loan documents or monthly statement. A representative can process a payment over the phone using your bank account or debit card. Payments by mail should be sent to the address listed on your statement; include your loan number and the payment amount on your check.

Chase branches accept payments in person during business hours. Bring your loan number and the amount you want to pay. This method works if you prefer handling money face-to-face, but it is slower than online or phone options for time-sensitive situations.

Key Takeaways

  • Chase Online and the Chase Mobile App are the fastest ways to pay and let you set up automatic recurring payments in minutes.
  • You can pay by phone, mail, or in person at a Chase branch if you do not want to use digital banking.
  • Automatic payments can be scheduled for any day of the month, but you should align the date with when your paycheck arrives to avoid overdrafts.
  • Payments typically post within one business day when made online or by phone, but mail payments take five to seven business days to reach Chase.
  • If you pay late, Chase will report it to credit bureaus after 30 days past due, which damages your credit score.

Setting up automatic payments through Chase Online

Log into Chase Online using your username and password. Navigate to your auto loan account, then select "Make a Payment" or "Payments" from the menu. Choose "Set Up Automatic Payment" or "Recurring Payment" depending on the current interface.

Enter the payment amount (your full monthly payment, a fixed amount, or the minimum due), and select the date you want the payment to come out each month. Chase will deduct the payment from your linked checking or savings account on that date every month until you cancel it. Confirm the details and submit. You will receive a confirmation number and can view the scheduled payment in your account history.

If you want to change or cancel an automatic payment, return to the same menu and select the payment to edit or remove it. Changes take effect within one business day. Automatic payments are the most reliable way to avoid late fees and credit damage because they remove the need to remember a due date.

One-time payments and payment timing

To make a single payment without setting up recurring automatic payments, log into Chase Online or the mobile app and select "Make a Payment." Enter the amount and choose whether to pay immediately or schedule it for a future date. You can schedule payments up to several weeks in advance, which is useful if you want to pay on a specific date but do not want a recurring monthly payment.

Payments made online or by phone typically post to your account within one business day. Payments mailed to Chase take five to seven business days to arrive and be processed, so mail payments should be sent well before your due date. If your due date is coming up and you have not yet paid, use online or phone payment to avoid a late fee.

Chase considers a payment late if it arrives after 11:59 p.m. on the due date listed on your statement. A late fee (usually $25 to $35 depending on your loan agreement) is charged immediately. More importantly, a payment 30 days late will be reported to credit bureaus and will lower your credit score.

Paying through the Chase Mobile App

Download the Chase Mobile App from your phone's app store and log in with your Chase username and password. Tap your auto loan account to view the balance and due date. Select "Pay" or "Make a Payment" to proceed.

You can make a one-time payment or set up automatic payments directly in the app using the same steps as Chase Online. The mobile app also shows your payment history, upcoming due dates, and remaining loan balance. Some users find the app faster than the website because it requires fewer clicks to reach the payment screen.

Biometric login (fingerprint or face recognition) is available on most phones, which speeds up the process if you make frequent payments. The app sends push notifications for upcoming due dates if you enable them, which can serve as a reminder to pay if you do not use automatic payments.

Phone and mail payment methods

To pay by phone, call the number on your loan statement or billing notice. A Chase representative will ask for your loan number and the amount you want to pay. You can pay using your bank account (routing and account number) or a debit card. The representative will confirm the payment amount and posting date before processing.

Phone payments are processed immediately and typically post within one business day. This method is useful if you do not have online access or prefer speaking to a person. There is no fee for paying by phone.

To pay by mail, write a check payable to Chase Auto Finance (or the name shown on your statement). Include your loan number and the payment amount on the check or in a note. Mail it to the address listed on your statement. Do not send cash. Allow five to seven business days for the payment to arrive and post. Mail is the slowest method and should only be used if you cannot pay online or by phone.

What happens if you miss a payment

If your payment is not received by the due date, Chase will charge a late fee (typically $25 to $35) to your loan balance. The late fee is added to what you owe and increases your total loan cost. You can still pay the late fee along with your next regular payment without additional penalty.

If your payment is 30 days late, Chase will report the delinquency to the three major credit bureaus (Equifax, Experian, and TransUnion). This report stays on your credit report for seven years and significantly lowers your credit score, making it harder to borrow money in the future at favorable rates. A 60-day late payment is even more damaging, and a 90-day late payment can trigger repossession of the vehicle.

If you know you will miss a payment, contact Chase as soon as possible. Some loan agreements allow for a one-time deferment (postponing a payment to the end of the loan) or a temporary payment reduction. These options vary by loan and are not may provide, but asking before you miss a payment is better than dealing with the consequences after.

Frequently Asked Questions

Can I pay my Chase auto loan with a credit card?

Chase does not accept credit card payments for auto loans through their standard payment channels. Paying with a credit card through a third-party payment processor may be possible but will likely charge a fee that makes it more expensive than paying directly from your bank account. Contact Chase to ask if third-party payment options are available for your loan.

What if I want to pay off my loan early?

You can pay off your Chase auto loan at any time without penalty. Make a lump-sum payment for the remaining balance through Chase Online, the mobile app, by phone, or by mail. Contact Chase to confirm the exact payoff amount, which includes any interest accrued through the payoff date. Paying off early saves you money on interest and removes the loan from your credit report sooner.

How do I know if my payment was received?

Log into Chase Online or the mobile app and check your account history and recent transactions. Your payment should appear within one business day if made online or by phone, or five to seven business days if mailed. You can also call Chase Auto Customer Service to confirm receipt. Keep your confirmation number from the payment for your records.

Can I change my automatic payment date?

Yes. Log into Chase Online or the mobile app, find your automatic payment, and select "Edit" or "Modify." Choose a new date and confirm. The change takes effect within one business day. Pick a date that aligns with when you receive your paycheck to reduce the risk of overdrafting your bank account.

What if my bank account does not have enough money on the payment date?

If your bank account has insufficient funds, the automatic payment will fail and your bank may charge you an overdraft fee. Chase will not charge a late fee on the first failed attempt, but you must pay as soon as possible to avoid late fees and credit damage. Log into your Chase account and make a manual payment immediately, or contact Chase to reschedule the automatic payment for a date when funds will be available.