How to pay your Chase auto loan online, by phone, or by mail

You can pay your Chase car loan through Chase's website or mobile app, by phone, or by mailing a check. The fastest method is online through your Chase account — the payment posts the same business day if you submit it before the cutoff time, usually around 8 p.m. Eastern. If you don't have a Chase account yet, you can set one up in minutes using your loan number and Social Security number.

Chase also accepts payments by phone through their auto loan customer service line, though a representative will walk you through the process rather than letting you pay directly. Mailed payments take 7 to 10 business days to reach Chase and post to your account, so plan ahead if you use this method. If you're behind on payments or facing hardship, Chase has options for that too — but those require a separate conversation with their loss mitigation team.

Key Takeaways

  • Online and mobile app payments post the same business day if submitted before the evening cutoff, making them the fastest way to pay.
  • You'll need your Chase online account login or your loan number and the last four digits of your Social Security number to pay by phone.
  • Mailed payments take 7 to 10 business days to process, so send them at least two weeks before your due date to avoid late fees.
  • Chase charges a late fee if your payment doesn't post by the due date, regardless of when you submitted it or which method you used.
  • If you can't make a full payment, contact Chase's loss mitigation team before your payment is due — waiting until after you miss it limits your options.

Paying online through Chase.com or the mobile app

Log into your Chase account at chase.com or open the Chase Mobile app on your phone. If you don't have a Chase account, you'll need to create one using your loan number, the phone number on file with Chase, and your Social Security number. Once you're logged in, look for "Pay my auto loan" or navigate to the auto loan account itself.

Enter the amount you want to pay — you can pay the minimum due, the full statement balance, or any amount in between. Choose your payment date. If you select today or tomorrow, the payment will post the same business day (assuming you submit before the cutoff, usually around 8 p.m. Eastern). If you schedule it for a future date, Chase will process it on that date. Review the details, confirm the payment, and you'll see a confirmation number when ready. Keep this number for your records.

Chase will send you an email confirmation, and the payment will show as pending in your account right away. It will post (become official) by the next business day if you paid same-day, or on your scheduled date if you scheduled ahead. You can check the status anytime by logging back into your account.

Paying by phone with a Chase representative

Call Chase auto loan customer service at the number on your loan statement or bill. Have your loan number and the last four digits of your Social Security number ready. A representative will verify your identity and ask how much you want to pay and when.

The representative will process the payment over the phone and give you a confirmation number. This method takes longer than online payment because you're waiting for a person, but it works if you prefer speaking to someone or if you don't have online access. The payment will post the same business day if you call before the cutoff time, or the next business day otherwise.

Paying by mail

Write a check payable to Chase Auto Finance and include your loan number in the memo line. Mail it to the address on your loan statement — this address is different from Chase's main corporate address, so use the one printed on your bill.

Mail takes 7 to 10 business days to arrive, and Chase needs time to open, process, and post it. Send your payment at least two weeks before your due date to make sure it arrives and posts on time. If it arrives after the due date, Chase will charge a late fee even though you mailed it early. Keep a copy of the check or take a photo of the front and back for your records.

Understanding Chase's payment important date and late fees

Your payment is due on the date shown on your statement. Chase considers a payment late if it doesn't post to your account by that date — not if you submit it or mail it by that date. This is why mailed payments need extra time: they have to arrive, be processed, and post before the important date.

If your payment posts after the due date, Chase will charge a late fee. The amount depends on your loan agreement, but it's typically a percentage of your monthly payment or a flat fee. A late payment also gets reported to credit bureaus, which can lower your credit score. If you're going to miss a due date, contact Chase before it happens — they may be able to adjust your due date or work out a temporary arrangement.

What to do if you can't make a full payment

If you're short on money and can't pay the full amount due, contact Chase's loss mitigation team before your payment is due. They handle hardship situations and can discuss options like a temporary payment reduction, a loan modification, or a deferment (skipping a payment and adding it to the end of your loan). These options are only available if you ask before you miss a payment — once you're late, your options narrow significantly.

Have your loan number ready and be prepared to explain your situation briefly. Loss mitigation representatives are trained to listen and won't judge you. If you wait until after you miss a payment, Chase will treat it as a default, which damages your credit and may trigger collection calls. Calling ahead is always the better move.

Setting up automatic payments

You can set up automatic payments through your Chase account so you never have to remember to pay manually. Log into Chase.com or the mobile app, go to your auto loan account, and look for "Set up automatic payment" or "Autopay." Choose the amount (minimum due, full balance, or a custom amount), the date each month, and confirm.

Automatic payments come out of your Chase checking account on the date you choose. If you change your mind, you can turn off autopay anytime through the same menu. This method removes the risk of forgetting a payment, though you should still check your account periodically to make sure the payment goes through — if your account doesn't have enough money on the payment date, the payment will fail and you'll be charged a late fee.

Frequently Asked Questions

What time does Chase stop accepting online payments each day?

Chase typically stops accepting online payments around 8 p.m. Eastern time. Payments submitted after that time will post the next business day instead of the same day. Check your account or call customer service to confirm the exact cutoff time, as it can vary slightly.

Can I pay my Chase car loan with a credit card?

Chase does not accept credit card payments for auto loans through their standard payment methods. You can only pay with a bank account (online, by phone, or by mail). If you want to use a credit card, you'd have to use a third-party payment service, which typically charges a fee and may not be worth it.

What happens if I pay more than the minimum?

Extra payments go toward your principal balance, which reduces the total interest you'll pay and shortens your loan term. Chase applies extra payments automatically — you don't have to do anything special. Just enter the higher amount when you make your payment.

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

Online and phone payments post the same business day if submitted before the cutoff. Mailed checks take 7 to 10 business days to arrive and process. You'll see the payment as pending when ready after you submit it online, but it won't be official until it posts.

Can I get my late fee removed if I pay late by accident?

Chase may remove a late fee if it's your first one and you call to ask, but there's no may provide. Call customer service and explain the situation. They have some discretion, especially if you've been a good customer. It never hurts to ask, but don't count on it — the best approach is to avoid being late in the first place.