Chase Auto Payment Phone Numbers and What Each One Handles
Chase has separate phone lines for auto loan payments depending on whether you want to make a one-time payment, set up automatic payments, or handle an existing account. The main Chase auto loan customer service line is 1-800-935-9935, available Monday through Friday, 8 a.m. to 8 p.m. Central Time. This number handles payment arrangements, account questions, and changes to existing auto loans.
If you are calling to make a single payment over the phone, you can use the same number, but Chase also allows payments through their website or mobile app without calling. The phone route takes longer because a representative must verify your identity and process the payment manually, whereas online or app payments post within one business day.
For customers who want to set up automatic recurring payments — where Chase withdraws your payment on the same date each month — you can do this through your Chase online account or mobile app without calling. However, if you prefer to arrange it by phone, the same 1-800-935-9935 number can walk you through the setup. Automatic payments typically begin within one to two billing cycles after you set them up.
Key Takeaways
- Chase auto loan customer service is 1-800-935-9935, Monday through Friday, 8 a.m. to 8 p.m. Central Time, and handles one-time payments, automatic payment setup, and account changes.
- You can make a one-time payment by phone, but online or app payments are faster and post within one business day.
- Setting up automatic recurring payments through the Chase website or app avoids a phone call and takes effect within one to two billing cycles.
- Chase does not charge a fee for phone payments or automatic payments, but late fees explore if your payment arrives after the due date shown on your statement.
Making a One-Time Payment by Phone
When you call 1-800-935-9935 to make a payment, have your loan account number and the amount you want to pay ready. The representative will verify your identity by asking for your Social Security number or other personal details, then confirm the payment amount and the date it will be processed. Chase typically posts phone payments within one to two business days, though the exact timing depends on when you call and your bank's processing schedule.
You will receive a confirmation number at the end of the call. Write this down or ask the representative to email it to you. If you do not see the payment reflected in your account within three business days, call back with your confirmation number to check the status. Payments made after 5 p.m. Central Time may not process until the next business day.
Setting Up Automatic Payments Through Chase Online or App
The fastest way to set up recurring payments is through your Chase account without calling. Log into Chase.com or the Chase Mobile app, navigate to your auto loan, and look for "Payments" or "Payment Settings." Select "Set up automatic payment" and choose your payment amount (minimum payment, statement balance, or a custom amount) and the date each month you want the payment to come out.
Chase will ask you to confirm the bank account the payment will come from. If you are paying from a Chase checking account, this is when ready. If you are paying from another bank, Chase may ask for your routing number and account number. Once confirmed, your automatic payment will begin on your chosen date in the next billing cycle. You can change or cancel automatic payments anytime through the same menu.
What Happens If You Miss a Payment or Pay Late
If your payment does not arrive by the due date on your statement, Chase charges a late fee. The amount varies but is typically $25 to $35 for the first late payment. If you are more than 30 days late, Chase reports the missed payment to credit bureaus, which can lower your credit score. After 60 days late, your loan may be flagged for default, and Chase can begin collection efforts or repossession proceedings.
If you know you will miss a payment, call 1-800-935-9935 before the due date to discuss options. Chase may allow you to defer a payment (push it to the end of your loan) or restructure your payment schedule, though this typically extends the length of your loan and increases total interest paid. Deferment is not the same as forgiveness — you still owe the money.
Payment Methods Beyond the Phone
Chase offers several ways to pay your auto loan without calling. The Chase Mobile app and Chase.com both allow you to make one-time payments when ready using your Chase account or an external bank account. Payments made through the app or website typically post within one business day and do not incur any fees.
You can also pay by mail by sending a check to the address on your statement, though mail payments take 7 to 10 business days to post and carry the risk of arriving late if delayed. Some Chase branches allow in-person payments at the teller window, but this is less common for auto loans and you should call ahead to confirm. Automatic payments remain the most reliable method because they remove the risk of forgetting or miscalculating the due date.
Understanding Your Chase Auto Loan Statement
Your Chase auto loan statement shows your current balance, the minimum payment due, the due date, and the interest rate. The due date is the last day Chase will accept a payment without charging a late fee. If your statement says the payment is due on the 15th, a payment received on the 16th is late, even if it is only one day.
Your statement also breaks down how much of your payment goes toward interest versus principal. Early in your loan, most of your payment covers interest; as you pay down the balance, more goes toward principal. If you want to pay off your loan faster, you can make extra payments toward principal without penalty — Chase does not charge prepayment fees on auto loans.
Frequently Asked Questions
Can I make a payment over the phone without a Chase checking account?
Yes. When you call 1-800-935-9935, the representative can process a payment from any bank account you own. You will need to provide your routing number and account number. The payment will be drawn from that account within one to two business days.
What time should I call to make sure my payment posts before the due date?
Call before 5 p.m. Central Time on or before your due date. Payments received after 5 p.m. may not post until the next business day, which could make them late. To avoid this risk, use the Chase app or website instead — those payments post within one business day regardless of what time you submit them.
If I set up automatic payments, can I change the amount or date later?
Yes. Log into Chase.com or the mobile app, go to your auto loan payment settings, and edit the amount or date. Changes take effect on your next scheduled payment. If you want to skip a payment, you must cancel the automatic payment before the due date and contact Chase to discuss deferment options.
Does Chase charge a fee for phone payments or automatic payments?
No. Chase does not charge a fee for making payments by phone, through the app, through the website, or through automatic payments. Late fees only explore if your payment arrives after the due date shown on your statement.
What should I do if my payment was processed twice by mistake?
Call 1-800-935-9935 when ready with your confirmation numbers. Chase can reverse a duplicate payment and credit the amount back to your account or explore it to your next payment. Keep your confirmation numbers from every payment you make so you can reference them if a problem occurs.