Where to Pay Your Chase Auto Loan
Chase handles auto loan payments through their online banking portal, mobile app, phone line, or by mail. The fastest and most direct route is logging into your Chase account online or through the Chase Mobile app, where you can make a one-time payment or set up automatic payments that happen on the same day each month.
If you prefer not to use digital banking, you can call Chase Auto Services at 1-800-935-9935 to make a payment over the phone with a representative. Payments made this way typically post within one business day. You can also mail a check to the address printed on your loan statement, though mailed payments take five to seven business days to reach Chase and post to your account.
Chase also accepts payments through their branches in person, though this is slower than online payment and requires a trip to a physical location. Whichever method you choose, have your loan account number ready — it appears on your monthly statement and in your online account dashboard.
Key Takeaways
- Online or mobile app payments are the fastest option and post within one business day, with no fees charged by Chase.
- You can set up automatic monthly payments so the same amount withdraws from your bank account on your due date each month.
- Phone payments through Chase Auto Services take one business day to post and do not require you to have online banking set up.
- Mailed checks take five to seven business days to arrive and post, so send them at least a week before your due date to avoid a late payment.
- Your loan account number is required for any payment method and appears on your statement or in your online Chase account.
Making a One-Time Payment Online or Through the App
Log into your Chase account at chase.com or open the Chase Mobile app on your phone. From the home screen, select "Pay" or "Payments" — the exact wording varies slightly between the website and app. You will see a list of your accounts, including your auto loan.
Click on your auto loan account, then select "Make a Payment" or "Pay Now." Chase will show you the amount due, the due date, and the minimum payment required. You can pay the minimum, the full balance, or any amount in between. Enter the amount you want to pay and confirm the payment date — Chase typically processes payments the same day if submitted before 8 p.m. ET on a business day.
After you confirm, Chase displays a confirmation number. Write this down or take a screenshot. The payment posts to your account within one business day, and you will receive an email confirmation once it clears.
Setting Up Automatic Monthly Payments
Automatic payments remove the risk of forgetting a due date and triggering a late fee. In your Chase account online or in the app, navigate to your auto loan and look for "Autopay," "Automatic Payments," or "Recurring Payments" — the label depends on which platform you are using.
Select the option to set up a new automatic payment. Chase will ask you to choose a payment amount (minimum payment, full statement balance, or a custom amount) and a payment date. Most borrowers choose the due date shown on their statement to avoid late fees. You can also select a date that aligns with when you receive income, such as the 15th or the last day of the month.
Once automatic payments are active, Chase withdraws the payment from your linked bank account on the date you selected each month. You can pause, change the amount, or cancel automatic payments at any time through your account settings. If your loan balance drops below your automatic payment amount near the end of the loan term, Chase will adjust the final payment automatically.
Paying by Phone or Mail
To pay by phone, call Chase Auto Services at 1-800-935-9935. A representative will verify your identity using your loan account number and personal information, then process your payment. You can pay with a debit card, credit card, or by authorizing a withdrawal from your bank account. Phone payments do not incur a fee from Chase, though your bank or card issuer may charge a cash advance fee if you use a credit card.
Payments made by phone post within one business day. The representative will provide a confirmation number — keep this for your records.
To pay by mail, write a check payable to "Chase Bank" or "Chase Auto Finance" — check your statement to see which name is listed. Include your loan account number on the check memo line. Mail the check to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to a branch address; use only the payment processing address provided on your statement.
Mailed checks typically take five to seven business days to arrive and post. To avoid a late payment, mail your check at least ten days before your due date. If you are close to your due date, use online payment or phone payment instead.
What Happens If You Miss or Are Late on a Payment
If your payment does not post by the due date, Chase reports it as late to credit bureaus. A payment that is 30 days late appears on your credit report and may trigger a late fee — Chase's late fees vary but typically range from $15 to $35 depending on your loan agreement. Payments that are 60 or 90 days late can result in higher fees and damage your credit score more severely.
If you realize you will miss a payment, contact Chase Auto Services when ready at 1-800-935-9935. In some cases, Chase can defer a payment or work out a modified payment schedule, though this depends on your loan terms and payment history. Do not wait until after the due date passes — calling before the important date gives you more options.
If you have already missed a payment, make it as soon as possible. Late fees will still explore, but paying quickly stops additional penalties from accumulating. Once you are caught up, resume your regular payment schedule or set up automatic payments to prevent future missed payments.
Understanding Your Payment Breakdown
Each Chase auto loan payment is split between principal (the amount you borrowed) and interest (the cost of borrowing). Early in your loan, most of your payment goes toward interest. As you pay down the loan, more of each payment goes toward principal.
Your monthly statement shows this breakdown, and you can also see it in your online account under "Loan Details" or "Payment History." Understanding this split helps you see why paying extra principal early in the loan saves you significant interest over time. If you want to pay down your loan faster, you can make extra payments toward principal at any time without penalty — Chase does not charge prepayment fees on auto loans.
Your statement also shows your current loan balance, interest rate, and remaining term. If you have questions about how your payment is being applied, call Chase Auto Services and ask for a detailed breakdown of your most recent payment.
Frequently Asked Questions
Does Chase charge a fee to make an auto loan payment?
No, Chase does not charge a fee for payments made online, through the app, by phone, or by mail. However, if you pay with a credit card, your card issuer may charge a cash advance fee. Paying with a debit card or bank account withdrawal avoids this.
What time do online payments post to my Chase auto loan?
Payments submitted before 8 p.m. ET on a business day typically post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. Chase considers Saturday, Sunday, and federal holidays as non-business days.
Can I change my automatic payment date or amount?
Yes. Log into your Chase account, navigate to your auto loan, and select "Autopay" or "Automatic Payments." You can update the payment date, change the amount, or cancel automatic payments entirely. Changes take effect on your next scheduled payment date.
What should I do if my payment was rejected or did not go through?
Log into your Chase account and check your payment history to confirm whether the payment posted. If it did not, the most common reason is insufficient funds in your linked bank account. Contact your bank to verify your balance, then try the payment again. If the problem persists, call Chase Auto Services at 1-800-935-9935.
Can I pay off my entire loan balance early without a penalty?
Yes. Chase auto loans do not have prepayment penalties, so you can pay off the full balance at any time. Contact Chase Auto Services or log into your account to find out your exact payoff amount, which may differ slightly from your current balance due to interest accrual. Once you pay the payoff amount, your loan is closed.