The main Chase Auto Finance phone number and what it handles

Chase Auto Finance customer service can be reached at 1-800-935-9935. This number connects you to representatives who handle account questions, payment issues, loan status inquiries, and general account management for Chase auto loans. The line is available Monday through Friday, 8 a.m. to 8 p.m. Central Time, and Saturday 9 a.m. to 5 p.m. Central Time.

When you call, have your loan number ready — it appears on your monthly statement and in your online account. The system will ask you to verify your identity using your Social Security number or the phone number associated with your account. This verification step typically takes two to three minutes.

Chase also operates a separate line for customers with past-due accounts or those facing financial hardship. That number is 1-866-564-4218. This line connects you to specialists trained in loss mitigation and payment alternatives, and it operates during the same hours as the main line.

Key Takeaways

  • The main Chase Auto Finance number is 1-800-935-9935, available Monday through Friday 8 a.m. to 8 p.m. Central Time and Saturday 9 a.m. to 5 p.m. Central Time.
  • Have your loan number and the phone number on file ready before calling, as the system will ask you to verify your identity.
  • If your account is past due or you are facing hardship, call 1-866-564-4218 instead — this line connects you to specialists who handle payment alternatives.
  • Chase Auto Finance does not handle refinancing through the phone line; refinancing requests must be submitted through your online account or by mail.

What you can and cannot handle over the phone

Over the phone, Chase Auto Finance representatives can discuss your current loan balance, payment history, interest rate, and remaining term. They can also process one-time payments, set up automatic payments, answer questions about your monthly statement, and discuss what happens if you miss a payment. If you are behind on your loan, they can explain your options and connect you with a specialist.

What you cannot do by phone: refinancing, changing the vehicle on your loan, requesting a loan modification that extends your term, or disputing a charge on your account. Refinancing requests must be submitted through your Chase online account or by mailing a written request to the address on your statement. Disputes must be filed in writing as well, either through your online account or by certified mail.

If you need to make a payment but do not want to speak to a representative, Chase offers an automated payment line at the same number. After you enter your loan number and verify your identity, the system will let you make a payment without waiting for a representative.

When to call versus using online options

Call Chase Auto Finance if you have a question that requires explanation, need to discuss a payment plan, want to understand your loan terms, or are unsure how to use the online account. Representatives can walk you through options and answer follow-up questions in real time.

Use your online account at chase.com if you want to make a one-time payment, set up automatic payments, view your statement, check your payoff amount, or read documents. The online account is available 24 hours a day and does not require you to wait on hold. You can also use the Chase mobile app to make payments and check your balance.

For non-urgent questions, email is slower but creates a written record. Chase does not publish a general customer service email address for auto loans, but you can send a message through your online account's find messaging feature, which typically receives a response within two to three business days.

What to expect when you call about a past-due account

If your account is past due, the representative will first verify your identity and confirm the amount owed and how far behind you are. They will then explain the consequences of continued non-payment, which may include additional fees, a higher interest rate, or a notice of default. They will also ask whether you can catch up when ready, within 30 days, or whether you need a longer arrangement.

Chase offers several options for past-due accounts. A catch-up payment plan lets you add a portion of the missed payment to your regular monthly payment over several months. A loan modification can extend your loan term to lower your monthly payment, though this increases the total interest you pay. In some cases, if you are facing genuine hardship, Chase may temporarily reduce or pause your payment, though this is less common and requires documentation of the hardship.

Do not ignore a past-due notice. The longer your account remains unpaid, the closer you move toward default, which can result in the vehicle being repossessed. Calling within 30 days of missing a payment gives you the most options and the best chance of working out an arrangement that keeps you in the vehicle.

How to prepare before you call

Gather these items before dialing: your loan number (on your statement or in your online account), the phone number associated with your account, your Social Security number, and any recent statements or documents related to your question. If you are calling about a payment issue, have your bank account information ready so you can make a payment when ready if needed.

Write down what you want to ask before you call. If you have multiple questions, list them in order so you do not forget anything during the call. If you are calling about a past-due account or hardship, have documentation ready — proof of income loss, medical bills, or other evidence of why you cannot make your regular payment. Representatives cannot help you without understanding your situation.

Call during off-peak hours if possible. Early morning (8 a.m. to 9 a.m. Central) and late afternoon (after 5 p.m. Central) typically have shorter wait times than midday. Avoid calling on Mondays and Fridays, when call volume is highest.

Alternative contact methods if you cannot reach the phone line

If you are unable to reach Chase Auto Finance by phone or prefer not to call, you can manage your account entirely online through chase.com. Log in with your username and password, navigate to your auto loan account, and you can view your balance, make payments, set up automatic payments, and access your loan documents.

You can also visit a Chase branch in person. Bring your loan number and a photo ID. Branch representatives cannot process all requests, but they can answer general questions, help you set up online access, or direct you to the right department for your issue. Not all branches handle auto loans, so call ahead to confirm.

For customers who are deaf or hard of hearing, Chase offers a relay service. Call 1-800-935-9935 and ask for the relay service operator, or contact the Federal Relay Service at 1-800-877-8339 and provide the Chase number. This service is free and allows you to communicate with a representative through a relay operator.

Common reasons calls get disconnected or take longer than expected

Chase Auto Finance call volume spikes on certain days and times. The first business day after a payment due date, the day before a due date, and the first Monday of the month typically have the longest wait times. If you reach a busy signal or the system says the wait is longer than 30 minutes, hang up and try again in an hour or the next day.

Calls may be disconnected if the line drops or if you are transferred between departments. If this happens, call back and explain that you were just disconnected. Have your loan number ready so the new representative can pull up your account quickly. You will not lose your place in the queue if you call back within a few minutes.

Some calls take longer because the representative needs to transfer you to a specialist — for example, if you call the main line about a past-due account, you may be transferred to the loss mitigation team. This transfer can add 10 to 15 minutes to your call. If you know you need a specialist, calling the dedicated line (1-866-564-4218 for hardship) can save time.

Frequently Asked Questions

Can I make a payment over the phone without talking to a representative?

Yes. Call 1-800-935-9935 and follow the automated prompts to enter your loan number and verify your identity. The system will then walk you through making a one-time payment without connecting you to a representative. This process usually takes five to ten minutes.

What if I call and the representative cannot solve my problem?

Ask to speak with a supervisor or to have your issue escalated. Provide your loan number and a clear explanation of what you need. If the issue still cannot be resolved by phone, ask for the mailing address where you can send a written request or complaint. Chase is required to respond to written complaints within 15 business days.

Do I have to call during business hours, or can I leave a message?

Chase Auto Finance does not have a voicemail system for customer service calls. If you call outside business hours, you will hear a message with the hours and the option to call back. Your best option outside business hours is to use your online account to make a payment or send a find message, which will be answered during the next business day.

What if I am calling from outside the United States?

The main number 1-800-935-9935 only works from within the United States. If you are calling from outside the U.S., you will need to use an international calling service or contact Chase through your online account. Some international calling plans charge long-distance fees for 1-800 numbers, so check with your provider first.

Can I record my call with Chase Auto Finance?

Chase may record calls for quality and training purposes, but you should ask the representative at the beginning of the call whether you can record on your end. Laws about recording vary by state — some states require all parties to consent, while others require only one party to consent. When in doubt, ask the representative before recording.