How to contact JPMorgan Chase about your auto loan

JPMorgan Chase handles auto loans through its Chase Auto division. If you have a Chase auto loan, you can reach customer service by phone, mail, or through your online account. The phone number for Chase Auto customer service is 1-800-935-9935. This line is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.

You can also log into your Chase account online at chase.com or through the Chase mobile app to view your loan balance, make payments, and message customer service. Many routine questions—like checking your payment due date, viewing your loan terms, or updating your contact information—can be handled without calling.

If you prefer to write, you can mail correspondence to the address listed on your loan statement or billing notice. Chase typically includes a specific mailing address for different types of requests on those documents.

Key Takeaways

  • Chase Auto customer service is reachable at 1-800-935-9935 during business hours, with extended Saturday hours available.
  • Your online Chase account lets you check your balance, make payments, and contact support without calling.
  • Have your loan number and the phone number or address associated with your account ready when you call or write.
  • Chase can help with payment arrangements, loan payoff quotes, refinancing questions, and account changes.

What you can handle through your online account

Before calling, check what you can do yourself through chase.com or the Chase mobile app. You can make one-time payments or set up automatic payments, view your payment history, see your current interest rate and loan term, and read statements. The app also lets you receive payment reminders and notifications about your account.

If you need to update your mailing address, phone number, or email, you can often do this in the account settings without contacting a representative. This saves time and means your statements and notices reach you correctly.

Reasons to call Chase Auto customer service

Some situations require speaking with a representative. Call if you want to discuss a payment plan because you are having trouble making your regular payment, if you need a payoff quote to refinance or pay off your loan early, if you want to add or remove a co-borrower, or if you have questions about your loan terms or interest rate.

You should also call if you have not received a statement, if there is an error on your account, if you are having trouble accessing your online account, or if you need to report a change in your situation—such as a change of address or employment—that affects your loan.

If your vehicle has been damaged, stolen, or involved in an accident, contact Chase to discuss what happens next with your loan and insurance requirements.

What to have ready before you call

Gather these items before dialing: your loan number (found on your statement or in your online account), your Social Security number or tax ID, the phone number or address associated with your account, and details about what you need help with. If you are calling about a specific payment or transaction, have the date and amount ready.

If you are calling about a problem—a missed payment, a billing error, or a dispute—write down the dates and details before you call. This helps the representative understand your situation faster and makes it more likely they can resolve it on the first call.

Payment options and how they work

Chase accepts payments through several methods. You can pay online through your account, set up automatic payments from a bank account, pay by phone by calling the customer service number, or mail a check to the address on your statement. Payments made online or by phone typically post to your account within one business day.

If you are setting up automatic payments, you choose the date each month when the payment comes out of your bank account. Make sure the date works with your pay schedule so you do not overdraw your account. You can change or cancel automatic payments anytime through your online account.

If you are having trouble making payments

If you think you will miss a payment or cannot pay the full amount, call Chase Auto customer service before the payment is due. Representatives can discuss options like a temporary payment reduction, a payment deferment (pushing your payment to the end of your loan), or a loan modification. The sooner you contact them, the more options may be available.

Do not straightforward skip a payment. Missing a payment can hurt your credit score and may trigger late fees. Chase will report a missed payment to credit bureaus after 30 days, and after 120 days of missed payments, the lender may begin repossession proceedings. Calling ahead gives you a chance to avoid these outcomes.

Refinancing and early payoff

If you want to pay off your loan early or refinance with a different lender, call Chase to request a payoff quote. This quote shows exactly how much you owe on a specific date, including any interest accrued up to that point. Payoff quotes are usually good for 10 to 15 days, so you have time to arrange the funds or complete a refinance process elsewhere.

Paying off your loan early means you pay less interest overall, but some loans have prepayment penalties. Ask Chase whether your loan has a penalty for early payoff before you commit to paying it off. If you are refinancing with another lender, that lender will contact Chase directly to pay off your loan and transfer the title.

Frequently Asked Questions

What time zone is Chase Auto customer service in?

Chase Auto customer service operates on Eastern time. The line is open Monday through Friday 8 a.m. to 8 p.m. ET and Saturday 9 a.m. to 5 p.m. ET. If you are calling from the West Coast, that means 5 a.m. to 5 p.m. Pacific on weekdays and 6 a.m. to 2 p.m. Pacific on Saturday.

Can I make a payment over the phone without setting up an account?

Yes. When you call 1-800-935-9935, you can make a one-time payment by phone using a bank account or debit card. Have your loan number and the account you want to pay from ready. The representative will walk you through the process.

How long does it take for a payment to show up in my account?

Payments made online or by phone typically post within one business day. Mailed checks take longer—usually 5 to 7 business days from the time Chase receives them. If you are close to a due date, pay online or by phone to make sure your payment posts on time.

What happens if I pay my loan off early?

Paying early means you owe less interest and your loan ends sooner. However, some Chase auto loans have a prepayment penalty—a fee for paying off the loan before the term ends. Call to ask whether your specific loan has this penalty before you pay it off. If it does not, paying early can save you money.

Can I change my payment due date?

Contact Chase Auto customer service to request a due date change. They can move your payment date to align better with your pay schedule. Changes usually take effect on your next billing cycle. You can also ask about this when you call for any other reason.