Chase handles car loans through its auto financing division, and the payment methods available depend on whether you financed through Chase directly or another lender
If you have a car loan with Chase Bank, you can pay online through your Chase account, by phone, by mail, or in person at a Chase branch. The fastest and most common route is the online payment portal — you log in, select the loan, and schedule a one-time payment or set up automatic payments. If you financed your car through a different lender and that lender uses Chase to process payments, you'll make payments to that lender's system, not directly to Chase.
The key distinction matters because it changes where you send money and which account number you use. This guide covers how to pay a Chase auto loan specifically, and what to do if you're unsure whether Chase is your actual lender or just the servicer.
Key Takeaways
- Chase online banking lets you schedule car payments immediately and see your loan balance and due date in real time.
- Automatic payments can be set up through your Chase account and will deduct from your checking or savings account on a date you choose.
- Phone payments (1-800-955-9060) work if you don't have online access, but you'll need your loan account number and routing information ready.
- Mailed checks should include your account number and be sent to the address on your loan statement, and typically take 5 to 7 business days to post.
- If you're not certain Chase is your lender, check your loan documents or call the number on your statement to confirm before paying.
Paying online through your Chase account
Log into Chase.com or the Chase mobile app and navigate to your auto loan account. You'll see your current balance, interest rate, and next due date. Click "Make a Payment" and choose whether you want to pay once or set up recurring automatic payments.
For a one-time payment, enter the amount and select the date you want the payment to leave your account. Chase typically processes online payments the same business day if submitted before the cutoff time (usually 8 p.m. Eastern). For automatic payments, you choose the day of the month and the amount — many borrowers set it to the minimum payment or the full monthly payment amount.
Online payments are free and the fastest way to ensure your payment posts on time. You can also view your payment history and download statements from the same portal.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date and can help you avoid late fees. In your Chase account, go to "Payments" and select "Automatic Payments." Choose your auto loan, the amount (usually your regular monthly payment), and the day of the month you want it to deduct from your checking or savings account.
You can change or cancel automatic payments anytime through the same menu. If your payment amount changes — for example, if you make a large principal payment — you may need to adjust your automatic payment to match the new regular amount.
Automatic payments are particularly useful if you have multiple Chase accounts or loans, because you can set them all up in one place and see them together on your dashboard.
Paying by phone
Call Chase auto customer service at 1-800-955-9060 to make a payment over the phone. Have your loan account number, the amount you want to pay, and your bank routing number ready. A representative will walk you through the payment and confirm the date it will process.
Phone payments are free but take slightly longer to process than online payments — typically 1 to 2 business days. This method works if you don't have internet access or prefer speaking to someone, but it's slower than setting up automatic payments or paying online.
Paying by mail
Write a check payable to Chase Bank and include your loan account number on the check itself. Mail it to the address listed on your loan statement under "Payment Address" — do not send it to a Chase branch address unless the statement specifically directs you to.
Mailed payments typically take 5 to 7 business days to post to your account after Chase receives them. To avoid late fees, mail your payment at least a week before your due date. Keep a copy of the check or take a photo of it before mailing as proof of payment.
What to do if you're not sure Chase is your lender
Some car loans are originated by Chase but then sold to another company, or serviced by Chase on behalf of another lender. Check your loan documents — the promissory note or loan agreement will name the actual lender. You can also call the customer service number on your monthly statement; that number belongs to whoever services your loan.
If Chase is not your lender, contact your actual lender to find out where to send payments. Sending money to the wrong company delays posting and can result in a late payment on your credit report even if you paid on time to someone else.
Late payments and what happens if you miss a due date
Chase reports late payments to credit bureaus once they are 30 days past due. A payment is considered late if it hasn't posted by the due date shown on your statement, not the date you send it. If you mail a check and it arrives after the due date, it will be recorded as late even if you mailed it on time.
If you know you'll miss a payment, contact Chase before the due date. They may be able to defer a payment, extend your loan term, or work out a temporary arrangement. Calling ahead is always better than missing the payment and dealing with late fees and credit damage afterward.
If you fall behind, Chase will typically send notices and may eventually begin collection efforts or repossession proceedings, depending on how far behind you are and your loan terms.
Frequently Asked Questions
Can I pay my Chase car loan with a credit card?
Chase does not accept credit card payments for auto loans directly. You can pay with a debit card through their online portal or by phone, but using a credit card would require a third-party payment processor, which typically charges a fee and may not be worth the cost.
What if I want to pay off my loan early?
You can pay extra toward your principal anytime without penalty — Chase auto loans do not have prepayment penalties. Make a larger payment than your regular monthly amount, and the extra goes toward principal, reducing interest and shortening your loan term. Contact Chase if you want to confirm there are no prepayment restrictions on your specific loan.
How long does it take for a payment to show up in my account?
Online and automatic payments typically post the same business day or next business day. Phone payments take 1 to 2 business days. Mailed checks take 5 to 7 business days after Chase receives them. Check your statement or online account to confirm the payment has posted.
What if I set up automatic payments but want to skip a month?
Log into your Chase account and pause or cancel the automatic payment for that month, then restart it the following month. Do not skip a payment without contacting Chase first, because missing a due date can trigger late fees and credit reporting even if you plan to catch up later.
Is there a fee to make a payment to Chase?
No — Chase does not charge fees for online payments, automatic payments, phone payments, or mailed payments. Any payment method is free to use.