Chase auto loan customer service phone numbers
Chase has separate phone lines for different auto loan needs. The main number for existing auto loan customers is 1-800-935-9935. This line handles questions about your current loan, payment options, and account changes.
If you are calling about a loan you are considering or have questions before you borrow, Chase's auto lending department can be reached through their main customer service line at 1-800-CHASE-1 (1-800-242-7341). Wait times vary by time of day and day of week — calling early morning on a weekday typically means shorter holds.
Chase also offers a dedicated line for customers who want to make a one-time payment or discuss payment arrangements: 1-800-955-9060. This line is often less busy than the main customer service number.
Key Takeaways
- The primary number for existing Chase auto loan customers is 1-800-935-9935, and it handles account questions, payment options, and loan modifications.
- Chase's general customer service line 1-800-242-7341 can direct you to auto lending if you have questions before taking out a loan.
- A dedicated payment line at 1-800-955-9060 often has shorter wait times if you only need to make a payment or discuss payment plans.
- Have your loan number or the phone number associated with your account ready when you call, as this speeds up the process.
- Chase's phone lines are open during standard business hours, typically Monday through Friday 8 a.m. to 8 p.m. and Saturday 9 a.m. to 5 p.m. Eastern time.
What information to have ready before calling
When you call Chase about your auto loan, having certain details on hand will make the conversation faster. Gather your loan number (found on your monthly statement or in your Chase online account), your vehicle identification number (VIN), and the phone number associated with your account.
If you are calling about a payment issue, have your most recent statement available so you can discuss your current balance and payment history. If you want to discuss refinancing or modifying your loan terms, have information about your current interest rate and remaining loan term ready.
Using Chase's online and mobile options instead
If you prefer not to call, Chase offers several ways to manage your auto loan without speaking to someone. Log into your Chase account online at chase.com or use the Chase Mobile app to view your balance, make payments, and see your loan details.
The Chase Mobile app lets you make a payment in seconds and set up automatic payments so you do not have to call or log in each month. You can also message Chase through your online account for non-urgent questions — response times are typically one to two business days.
What to expect when you call
When you reach a Chase representative, they will ask you to verify your identity using information from your account. This usually means providing your Social Security number or loan number. The verification process takes a few minutes but protects your account from unauthorized changes.
After verification, explain what you need — whether that is a payment question, a request to change your due date, information about refinancing, or something else. Chase representatives can discuss your options during the call, though some requests (like refinancing) may require additional steps after the call ends.
Common reasons to call Chase about your auto loan
Customers call Chase for several recurring reasons. The most common is to make a payment or set up automatic payments. Others call to ask about their interest rate, discuss refinancing to a lower rate, request a payment extension, or change their payment due date.
Some customers call because they are having trouble with the online payment system or want to confirm a payment went through. Others call to update their contact information, add a co-borrower, or ask about what happens if they want to pay off the loan early (Chase auto loans typically have no prepayment penalty, meaning you can pay it off without extra charges).
If you cannot reach Chase by phone
If you are having trouble reaching Chase by phone or prefer written communication, you can send mail to Chase's auto loan department. The mailing address is typically found on your monthly statement or in your online account under "Contact Us."
You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov if you believe Chase has not handled your account fairly. The CFPB will forward your complaint to Chase, which is required to respond within 15 days.
Frequently Asked Questions
What are Chase's phone hours for auto loan customers?
Chase customer service is typically open Monday through Friday 8 a.m. to 8 p.m. Eastern time and Saturday 9 a.m. to 5 p.m. Eastern time. Hours may vary on holidays. Check your statement or chase.com for exact hours, as they can change.
Can I refinance my Chase auto loan by phone?
You can start a refinancing conversation by phone, and a representative can explain your options and current rate. However, the actual refinancing process usually requires you to complete an process online or in person, and Chase will need to run a credit check.
What if I am behind on my Chase auto loan payment?
Call 1-800-935-9935 as soon as you realize you will miss a payment. Chase may offer a payment deferment, extension, or loan modification. The sooner you contact them, the more options you typically have before the account is reported to credit bureaus.
Is there a way to avoid the phone queue?
Yes. The Chase Mobile app and online account let you handle most tasks without calling. You can make payments, view your balance, and message Chase through your account. For urgent issues, calling early morning on a weekday usually means a shorter wait.
Do I need to call to make a payment?
No. You can make a payment online at chase.com, through the Chase Mobile app, or by setting up automatic payments. Calling is only necessary if you have questions about your account or need to discuss payment options.