Making a car payment to Chase

If you have a car loan through Chase Bank, you can make your payment online through Chase's website or mobile app, by phone, by mail, or in person at a Chase branch. The fastest and most common method is online through your Chase account — you log in, navigate to your loan, and schedule a one-time payment or set up automatic payments. Chase does not charge a fee for payments made through these channels.

Chase processes online payments submitted before 8 p.m. ET on a business day as same-day payments. Payments submitted after that time or on weekends and holidays are processed the next business day. If your payment due date is coming up and you are cutting it close, calling Chase's auto loan payment line is faster than mail, since a phone representative can confirm the payment is recorded when ready.

Key Takeaways

  • Online payments through your Chase account are free and process the same business day if submitted before 8 p.m. ET.
  • You can set up automatic payments so your car payment is deducted from your checking or savings account on the same date each month.
  • Payments by phone, mail, or in-person branch visits are also free, but mail takes 5 to 7 business days to reach Chase and post to your account.
  • If you miss a payment, Chase typically reports it to credit bureaus after 30 days, which can lower your credit score.
  • You can view your loan balance, payment history, and due dates anytime by logging into your Chase account online or through the mobile app.

Paying online through your Chase account

Log into your Chase account at chase.com or open the Chase Mobile app. Select "Pay" or "Payments" from the menu, then choose your auto loan from the list of accounts. Enter the amount you want to pay and select your payment date. You can pay the full balance due, the minimum payment, or any amount in between. Chase will show you a confirmation screen with the payment details before you submit.

If you want to set up automatic payments instead of paying manually each month, go to the same payment screen and select the option to schedule recurring payments. You choose the amount, the date each month, and which bank account the money comes from. Automatic payments are useful if you want to avoid late fees and make sure your payment posts on time every month.

Paying by phone or at a Chase branch

To pay by phone, call the Chase auto loan payment line at 1-800-935-9935. A representative will ask for your loan number and the amount you want to pay, then process the payment over the phone using your checking account or debit card. Payments made this way are recorded when ready, so if your due date is today, a phone payment gets you current right away.

You can also walk into any Chase branch and make a payment in person. Bring your loan number or account statement so the teller can identify your loan. In-person payments are processed the same day, and you receive a receipt showing the payment was made.

Paying by mail

If you prefer to mail a check, write it to Chase Bank and include your loan number on the check itself. Mail it to the address shown on your loan statement or billing notice — do not mail it to a Chase branch, as it will not reach the loan payment center. Mail typically takes 5 to 7 business days to arrive, so plan ahead if your due date is coming up soon.

Because of mail delays, mailing a payment close to your due date risks a late fee. If you are within a week of your due date, online or phone payment is safer. Keep a copy of your cancelled check or a photo of the front and back for your records.

Understanding your payment due date and late fees

Your payment due date is listed on your monthly statement and in your Chase account online. Chase gives you a grace period — usually 10 to 15 days after the due date — before reporting a late payment to credit bureaus. However, late fees start when ready if you miss the due date. A typical Chase auto loan late fee is $25 to $35 for the first late payment, and higher for subsequent ones.

If you know you will miss a due date, contact Chase before the date arrives. A representative may be able to adjust your due date, set up a payment plan, or discuss other options. Calling ahead is better than missing the payment and then trying to fix it, because it shows good faith and may prevent the late fee from being applied.

What happens if you cannot make a payment

If you are struggling to make your car payment, contact Chase as soon as possible. Do not wait until you are 30 days late. Chase offers options like deferment (postponing a payment to the end of your loan), forbearance (temporarily lowering your payment), or loan modification (changing the terms of your loan). These options are not automatic — you have to ask for them and explain your situation.

If you fall behind on payments, Chase may eventually repossess your vehicle. Repossession can happen after one or two missed payments, depending on your loan agreement. A repossession stays on your credit report for seven years and makes it much harder to borrow money in the future. Reaching out to Chase before you miss a payment is the best way to avoid this outcome.

Viewing your loan details and payment history

Log into your Chase account online or through the mobile app to see your current loan balance, interest rate, remaining term, and next due date. You can also view your full payment history, which shows every payment you have made and when it posted. This information is useful if you want to understand how much of each payment goes toward principal versus interest, or if you need to verify that a payment was received.

If you cannot find your loan in your Chase account, it may be held by a different servicer even though you originally borrowed from Chase. Some Chase auto loans are sold to other companies after origination. Check your loan documents or call Chase to confirm who currently services your loan.

Frequently Asked Questions

Can I pay my Chase car loan early without a penalty?

Yes. Chase auto loans do not have prepayment penalties, so you can pay off your loan early or make extra payments toward principal without any fee. Paying early reduces the total interest you pay over the life of the loan.

What if my payment was rejected or did not go through?

Check your Chase account to see if the payment shows as pending or failed. If it failed, the most common reasons are insufficient funds in your bank account, an expired debit card, or an incorrect account number. Try the payment again with a different payment method, or call Chase at 1-800-935-9935 to troubleshoot.

How do I change my payment due date?

Log into your Chase account and look for an option to change your due date, usually found in the loan settings or account preferences. You can typically move your due date to a different day of the month. If you do not see this option online, call Chase and ask a representative to change it for you.

Can I make a payment if my loan is in someone else's name?

No. Only the person whose name is on the loan can make payments or access the account. If you are a co-borrower or a family member wanting to help, the primary borrower must authorize you or set up a payment arrangement with Chase first.

What should I do if I received a notice that my loan was sold?

If Chase sold your loan to another servicer, you will receive a notice with the new servicer's contact information and payment address. Make your next payment to the new servicer, not to Chase. Update your payment method and due date with the new servicer to avoid missing a payment during the transition.