Where to pay your Chase car loan
You can pay your Chase car loan through Chase's online banking portal, their mobile app, by phone, or by mailing a check. The fastest and most direct method is logging into your Chase account online or through the Chase Mobile app, where you can make a one-time payment or set up automatic payments from a linked bank account. You'll need your Chase login credentials and the bank account you want to pay from.
If you prefer not to use digital banking, you can call Chase Auto Customer Service at the number on your loan documents or monthly statement. A representative can process a payment over the phone using a debit card, credit card, or bank account. Mailing a check is also an option — your statement shows the mailing address and the account number to write on the check.
Some Chase customers also pay through third-party payment platforms like Plastiq or PayPal, though these typically charge a fee. Paying directly through Chase's own channels avoids these extra costs.
Key Takeaways
- The Chase Mobile app and Chase.com are the fastest ways to pay and let you make a payment in minutes without calling or mailing anything.
- You can set up automatic payments so your car payment is deducted from your bank account on the same day each month, reducing the risk of a late payment.
- Payments made online or by phone typically post within one business day, while mailed checks can take five to seven business days to reach Chase.
- Your monthly statement and loan documents show your account number, due date, and minimum payment amount — have these ready before you pay.
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. Navigate to the "Pay" or "Payments" section — the exact label depends on which platform you're using. Select your auto loan account from the list of accounts shown.
Enter the payment amount you want to send. You can pay the minimum due, the full balance, or any amount in between. Choose the date you want the payment to be deducted from your linked bank account — this is typically the same day or the next business day, depending on when you submit it. Review the details, confirm the payment, and you'll receive a confirmation number when ready.
If you want to avoid making a payment every month, set up automatic payments in the same section. Chase will deduct your payment on the date you choose each month. You can change or cancel automatic payments anytime through your account settings.
Paying by phone with a Chase representative
Call the customer service number on your monthly statement or loan documents. A Chase representative will ask for your account number and verify your identity. Tell them you want to make a car payment and provide the amount.
You'll need to give the representative a debit card, credit card, or bank account number to charge the payment to. The representative will confirm the payment amount, the date it will be processed, and give you a confirmation number. Write down this number for your records.
Payments made by phone are typically processed the same business day or the next day. If you're calling close to your due date, ask the representative when the payment will post to make sure it arrives on time.
Mailing a check to Chase
Write a check for the amount you owe and include your Chase auto loan account number on the check itself — write it in the memo line or on the back. Mail the check to the address shown on your monthly statement under "Payment Address" or "Mail Payment To."
Mailed checks typically take five to seven business days to arrive and be processed. If your payment is due soon, mailing is the slowest option and carries the risk that your check arrives after the due date. For payments due within the next week, use online or phone payment instead.
Keep a copy of the check or write down the check number for your records. If you need to confirm the payment was received, you can log into your Chase account a week after mailing to see if it has posted.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. In the Chase app or website, go to the Payments section and select "Set Up Automatic Payment" or "Autopay." Choose your auto loan account, enter the payment amount, and select the date each month when you want the payment deducted.
You can set the payment to the minimum due, a fixed amount you choose, or the full balance each month. Most people choose a fixed amount that covers their regular payment. Chase will deduct this amount from your linked bank account on the date you select, every month until you cancel.
If your payment amount changes — for example, if you make an extra payment or refinance — you can update or pause your automatic payment anytime. Log into your account, find the automatic payment, and select "Edit" or "Cancel." This flexibility means you won't overpay if your loan balance drops.
What to do if you can't pay by the due date
If you realize you won't be able to pay by your due date, contact Chase as soon as possible. Call the number on your statement and explain your situation. Chase may be able to extend your due date by a few days or work out a temporary arrangement, though this depends on your account history and the reason for the delay.
A late payment will be reported to credit bureaus if it's more than 30 days past due, which can lower your credit score. Paying even a few days late may result in a late fee, which Chase will add to your balance. The sooner you contact Chase, the more options you may have to avoid these consequences.
If you're facing a longer-term hardship, ask Chase about loan modification options or temporary payment reductions. These programs vary by situation, but Chase may be able to help if you explain your circumstances.
Confirming your payment was received
After you make a payment online or by phone, you'll receive a confirmation number when ready. Write this down or take a screenshot. Log back into your Chase account within one to two business days to verify the payment has posted to your account and your balance has decreased.
If you mailed a check, wait five to seven business days before checking your account. If the payment doesn't appear after that time, contact Chase with your check number and the date you mailed it. Chase can trace the check and confirm whether it was received.
Keep your monthly statements for at least a year. They show your payment history and confirm that each payment was received on time. This record is useful if you ever need to dispute a payment or verify your payment history.
Frequently Asked Questions
Can I pay my Chase car loan with a credit card?
Chase does not accept credit card payments directly for auto loans. However, you can use a third-party payment service like Plastiq to pay with a credit card — the service charges a fee (usually 2-3% of the payment amount) and then sends the money to Chase on your behalf. For most people, paying directly from a bank account through Chase's website or app is simpler and costs nothing.
What time of day does Chase process online payments?
Chase processes online payments throughout the day, but the exact timing depends on when you submit the payment and your bank's processing schedule. Payments submitted before 5 p.m. ET typically post the same business day; payments submitted after 5 p.m. may post the next business day. Weekends and holidays can add an extra day.
Will paying extra toward my car loan hurt my credit?
No. Paying more than the minimum due will not hurt your credit — it will actually help by lowering your balance faster and showing lenders you're managing the loan responsibly. You can make extra payments anytime through your Chase account without penalty.
What happens if I pay my Chase car loan early in full?
You can pay off your entire loan balance at any time without penalty. Log into your Chase account, select your auto loan, and look for the payoff amount — this is the exact total you owe, including any interest accrued through the payoff date. Pay this amount and your loan will be closed. Chase will send you a title release document showing the loan is paid off.
Can I change my payment due date?
Chase may allow you to change your due date, but this depends on your account and loan terms. Call Chase customer service or log into your account to see if the option is available. If you can change it, you can usually move your due date to a date that works better with your paycheck or budget.