Call Chase's auto payment line to make a one-time payment or set up automatic withdrawals from your bank account
Chase handles auto loan payments by phone through a dedicated customer service line. You can make a single payment right away, or arrange for Chase to pull money from your checking or savings account on a schedule you choose. The process takes about five to ten minutes, and you'll need your loan account number and bank details on hand.
Phone payments work the same way whether you're paying on time or catching up on a missed payment. Chase processes most payments within one business day, though the money may not show in your account when ready depending on your bank.
Key Takeaways
- Call Chase auto loans at 1-800-955-9060 to make a payment by phone using your bank account or debit card.
- Have your Chase loan account number, routing number, and bank account number ready before you call.
- One-time payments process within one business day, but funds may take longer to appear depending on your bank.
- You can set up recurring automatic payments so Chase withdraws money on the same day each month.
- If you miss a payment, calling to pay by phone does not remove late fees already added to your account.
What information you need before calling
Gather these details before you dial. Having them ready keeps the call short and prevents mistakes that could delay your payment.
You'll need your Chase auto loan account number, which appears on your monthly statement or in the Chase mobile app. You also need the routing number and account number for the bank account you want to pay from — these are on the bottom left of your checks, or you can log into your bank's website to find them. If you're paying with a debit card instead, have that card number and expiration date ready.
Have the payment amount in mind. If you're making a regular monthly payment, check your statement for the amount due. If you're catching up on arrears, Chase will tell you the total owed when you call.
The phone payment process step by step
Call Chase auto loans at 1-800-955-9060. You'll reach an automated system first. Press the option for "Make a Payment" or "Pay Your Loan." The system will ask for your account number or the phone number associated with your loan.
Once you're connected, tell the representative whether you want to make a one-time payment or set up automatic recurring payments. For a one-time payment, you'll provide your bank account details (routing and account number) or debit card information. The system will confirm the amount and the date the payment will process.
If you're setting up automatic payments, you'll choose the day of the month when Chase should withdraw the payment. Most people choose the same day their paycheck arrives or the day before their payment is due. Chase will confirm the amount, the account it will pull from, and the start date. You'll receive a confirmation number — write it down or ask for it to be emailed to you.
When your payment will show up
Chase typically processes phone payments within one business day. That means if you call on a Tuesday morning, the payment usually posts to your loan account by Wednesday. Weekends and holidays add an extra day.
The money may take longer to leave your bank account. Your bank controls how quickly it withdraws funds, and some banks hold payments for two to three business days before the money actually moves. Check your bank's website or call them if you need to know exactly when the payment will clear.
If you're behind on your loan and worried about a late fee, call as soon as you can. The date you call is not the same as the date the payment posts, so calling on the last day of the month may not stop a late fee if the payment doesn't clear until the next month.
Setting up automatic payments instead of calling each month
Automatic payments mean Chase withdraws your payment on the same day every month without you having to call. This is the easiest way to stay on schedule, especially if you have the same payment amount every month.
During your phone call, tell the representative you want to set up automatic payments. You'll provide your bank account or debit card information once, and Chase will use it every month. You can change the payment amount, the withdrawal date, or cancel automatic payments anytime by calling back or logging into your Chase account online.
If your loan balance changes — for example, if you make an extra payment or refinance — your automatic payment amount stays the same unless you change it. Check your statement each month to make sure the automatic payment is covering what you owe.
What to do if your payment fails or is rejected
If Chase tries to withdraw a payment and your bank account doesn't have enough money, the payment will be rejected. Chase will usually try again, but you may be charged a returned payment fee by both Chase and your bank. Call Chase when ready at 1-800-955-9060 to make the payment manually and ask whether the fee can be waived.
If you set up automatic payments and know you won't have enough money on the scheduled withdrawal date, call Chase before that date to pause or reschedule the payment. It's easier to move the date than to deal with a rejected payment and fees.
If your bank account or debit card information changes — for example, you close the account or get a new card — update it with Chase right away. You can do this by calling or logging into your online account. If you don't update it, your next automatic payment will fail.
Other ways to pay your Chase auto loan
Phone payments are one option, but Chase offers other methods depending on what works for you. You can log into your Chase account online and make a payment through the website or mobile app. You can also mail a check to the address on your statement, though mail payments take longer to process.
Some Chase branches allow in-person payments at the teller window, though this is less common for auto loans. Call your local branch or check the Chase website to see if yours offers this option.
If you're having trouble making your regular payment, contact Chase before you miss a due date. They may be able to discuss options like a temporary payment reduction or a loan modification, depending on your situation.
Frequently Asked Questions
Can I pay my Chase auto loan by phone with a credit card?
No. Chase only accepts payments by phone from a bank account (checking or savings) or a debit card. Credit card payments are not allowed because they would count as a cash advance and trigger fees. Use your bank account or debit card instead.
Is there a fee to pay by phone?
Chase does not charge a fee for phone payments. However, your bank may charge a fee if it treats the payment as a wire transfer or electronic withdrawal. Check with your bank about their policies before you call.
What if I call after business hours?
Chase's automated payment system is available 24 hours a day, seven days a week. You can make a payment at any time. If you need to speak to a representative, call during business hours — typically 8 a.m. to 8 p.m. Eastern Time on weekdays. Weekend and holiday hours may vary.
Can I make a payment over the phone if I'm not the account holder?
No. Only the person whose name is on the loan can authorize a payment by phone. If someone else needs to pay on your behalf, they can mail a check to your loan address or you can set up automatic payments from your account and have them reimburse you.
What happens if I pay more than my monthly payment?
The extra amount goes toward your principal balance, which reduces the total interest you'll pay over the life of the loan. Chase will not automatically lower your next month's payment — you'll still owe the regular amount unless you contact them to modify your payment plan.