Chase Auto phone numbers and what each one handles
Chase operates separate phone lines for auto loans depending on whether you are an existing customer, a new applicant, or calling about a specific issue. The main Chase Auto customer service number for existing loan holders is 1-800-935-9935. This line handles payment questions, account status, payoff amounts, and general account management.
If you are shopping for a new auto loan and have not yet applied, Chase directs pre-approval and process questions to 1-800-524-6220. This number connects you to loan officers who can discuss rates, terms, and whether you meet Chase's lending criteria. Both numbers operate during standard business hours, typically Monday through Friday 8 a.m. to 8 p.m. Eastern time, with limited Saturday hours.
Chase also handles auto loans through its dealer network. If you financed a vehicle through a Chase-partnered dealership, you may have received a separate servicer number on your loan documents. Some Chase auto loans are serviced by third-party companies like Ally or Chase Bank USA, depending on when and where you financed the vehicle. Check your loan statement or payment coupon to confirm which servicer holds your account.
Key Takeaways
- Existing Chase auto loan customers call 1-800-935-9935 for account questions, payments, and payoff information.
- New applicants and shoppers call 1-800-524-6220 to discuss loan options and pre-approval.
- Your loan statement or payment coupon shows the correct servicer if your loan is handled by a third party.
- Chase auto customer service is available Monday through Friday during business hours, with limited Saturday availability.
- You can also manage your account online through Chase.com or the Chase Mobile app without calling.
What information to have ready before you call
Chase customer service representatives move faster when you have your account details in front of you. For existing customers, have your loan account number ready—this appears on your monthly statement, payment coupon, or in the Chase app. If you do not have the account number, your driver's license and the vehicle identification number (VIN) will work as alternatives.
For payment-related calls, know your current balance and the amount you want to pay. If you are calling about a missed or late payment, have the date of the missed payment and any collection notices you received. For payoff calls, be ready to specify whether you want the payoff amount as of today or on a specific future date, since payoff amounts change daily as interest accrues.
New applicants should have their Social Security number, employment information, and details about the vehicle they want to finance (year, make, model, and price if known). If you are refinancing an existing loan from another lender, have that loan account number and current balance available.
Online and app alternatives to calling
Chase offers account management through Chase.com and the Chase Mobile app, which can handle many tasks without a phone call. You can view your balance, make payments, set up automatic payments, request a payoff quote, and view your payment history through either platform. The app also shows your interest rate, remaining term, and next payment due date.
Payoff quotes generated through the app or website are often faster than calling, since the system calculates your exact payoff amount when ready rather than waiting for a representative. You can request a written payoff quote to send to another lender if you are refinancing. Some account changes—like updating your address or phone number—can also be completed online without calling.
If you prefer written communication, Chase accepts find messages through your online account. This option is slower than calling but creates a record of your request and the response. Use find messaging for non-urgent questions or when you want documentation of what was discussed.
When to call versus when to use other contact methods
Call Chase Auto if you need when ready answers about your account, have questions about payment options, want to discuss loan modification, or need to report a problem with a payment. Phone calls are also the fastest route if you are disputing a charge or reporting fraud. Representatives can often resolve these issues during the call or escalate them to a supervisor when ready.
Use the app or website for routine tasks like making a payment, checking your balance, or requesting a payoff quote. These methods are available 24/7 and do not require waiting on hold. Send a find message if you have a non-urgent question that you want documented, such as asking about a specific fee or requesting an explanation of a charge.
If you are having trouble with the app or website, or if you need to discuss a complex issue like loan modification or hardship options, calling is your best option. Technical problems with online banking should also be reported by phone so a representative can troubleshoot in real time.
What to expect when you call
Chase Auto customer service uses an automated system to route your call. You will typically hear a menu asking whether you are calling about an existing account or a new loan. Select the option that matches your situation. The system may also ask for your account number or phone number associated with the account to speed up routing.
Wait times vary by time of day and day of week. Calling early in the morning (8 a.m. to 10 a.m. Eastern) or late afternoon (after 5 p.m. Eastern) typically means shorter waits than midday. Calling on Tuesday through Thursday usually has shorter wait times than Monday or Friday. If you reach a representative and your issue requires research or escalation, they may ask you to stay on the line or call you back within a specific timeframe.
Representatives can discuss your account, explain charges, process payments, and provide payoff amounts. They cannot change your interest rate or loan terms without your formal request for modification, which may require additional documentation and a separate review process.
Dealing with Chase auto loans serviced by other companies
Some Chase auto loans are sold to or serviced by other financial institutions after origination. If your loan is serviced by Ally, Synchrony, or another company, your payment coupon and statement will show that servicer's name and phone number. You should call that servicer for account questions, not Chase, since they control your account records and payment processing.
If you are unsure which company services your loan, call the Chase Auto number above and ask. They can tell you when ready and provide the correct servicer's contact information. Calling the wrong servicer wastes time, since they cannot access your account details.
Some borrowers have loans originated by Chase but now serviced by a different company. In this case, Chase can still answer questions about the original loan terms and your borrowing history, but the current servicer handles all payments and account management. Keep both numbers if this applies to you.
Frequently Asked Questions
What is the best time to call Chase Auto customer service?
Early morning (8 a.m. to 10 a.m. Eastern) and late afternoon (after 5 p.m. Eastern) typically have shorter wait times than midday. Tuesday through Thursday usually have shorter waits than Monday or Friday. Avoid calling during lunch hours if possible.
Can I make a payment over the phone?
Yes. Call 1-800-935-9935 and a representative can process a payment using your bank account or debit card. However, making a payment through the Chase app or website is faster and available 24/7 without waiting on hold.
What if I need to modify my loan or discuss hardship options?
Call 1-800-935-9935 and ask to speak with a loan specialist or account manager. They can discuss options like deferment, forbearance, or loan modification. Be prepared to explain your situation and provide documentation if requested.
How do I get a payoff quote to refinance my loan?
You can request a payoff quote through the Chase app or website when ready, or call 1-800-935-9935 and ask a representative to provide one. Written payoff quotes can be sent to another lender. The quote is typically valid for 10 to 30 days depending on your state.
What if my loan is serviced by a different company?
Your payment coupon and statement show the servicer's name and phone number. Contact that servicer for account questions, payments, and payoff information. Call Chase only if you have questions about the original loan terms or your borrowing history.