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Chase Auto Loan Guide

Chase Auto Loan offers prequalification tools, rate locking, and seamless dealership integration.


Best Financing Option For You

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A Plan for Your Next Step

Chase Auto portal helps you plan your purchase and financing together.

Clarity for Your Big Decision

Get pre-qualified to understand your budget before you make a commitment.

A Foundation of Trust

Secure your milestone purchase with the reliability of a leading U.S. bank.

A Lifetime of Convenience

Manage your auto loan alongside all your other life savings and accounts with Chase.

  • The First Car: A Journey into Independence+

    Getting a first car is a major step toward independence. Chase Auto online experience to make this milestone less daunting for first-time U.S. buyers. The “Get prequalified” feature allows a new buyer to see their potential financing terms online with no impact to their credit score. This provides a clear, manageable budget, turning an intimidating process into an exciting and achievable goal.

  • The Family Car: Making Room for a New Chapter+

    When your family grows, so do your needs. The Chase Auto portal is the perfect tool for busy parents planning for a larger, safer vehicle. You can browse thousands of family-friendly SUVs and minivans from our network of U.S. dealers, all while seeing your personalized payment estimates. It’s a convenient way to do the heavy lifting of car shopping from home, so you can spend more time on what truly matters.

  • The Work Truck: Building Your Business+

    For many U.S. entrepreneurs, a dependable truck is the lifeblood of their business. It’s a critical asset for growth. Chase Auto provides a straightforward path to financing this essential tool. The clear financing terms and the ability to lock in a rate for 30 days allow business owners to plan this capital expense with confidence, knowing their financing partner is as stable and reliable as the vehicle they need.

  • The Dream Car: Rewarding a Lifetime of Hard Work+

    After years of hard work, a dream car—be it a sports car, a luxury sedan, or a classic—is a well-deserved milestone. Chase Auto can help make that dream a reality. They also offer a refinancing option, which can be a smart way to improve the terms on an existing loan. It’s another tool we provide to help you celebrate your success and enjoy the rewards you’ve earned.


Top Auto Loan Options in the U.S.

  • Chase Auto Loan – Get pre-qualified online, lock in an interest rate for 30 days, and complete financing at over 12,000 participating dealerships with fast decisions and digital management. 
  • Capital One Auto Navigator – Soft credit pull previews real rates and lets you explore inventory from partner dealerships.
  • Bank of America Auto Loans – Offers fixed-rate loans with perks for existing customers and robust online tools.
  • PenFed Credit Union – Known for low APRs and Car Buying Service tools for members.
  • LightStream (Truist Bank) – Provides fast, unsecured auto loans with broad eligibility.
  • Carvana Financing – Fully online purchase and financing with at-home delivery included.
Traditional Bank Financing

Banks such as Wells Fargo or PNC provide familiar fixed-rate auto loans with in-branch support. Chase combines these strengths with advanced digital tools, enabling you to browse, prequalify, and lock rates online, and wrap up the purchase at a dealer—streamlining the entire process. 

Chase Auto Financing Experience

Start with a soft credit pull to prequalify—no impact on your FICO score. Once prequalified, you can lock in your rate for 30 days, giving you flexibility while shopping. When you’re ready, apply online or at the dealership, and receive a faster decision—most within 2–3 hours. Their dealer network of over 12,000 locations ensures you can finish the process just about anywhere. 

Online Tools & Dealer Integration

Chase Auto’s digital platform lets you browse dealer inventory, estimate monthly payments with a rate calculator, and prequalify—all from home. Your preapproval is seamlessly shared with your dealer, reducing in-lot paperwork and keeping your deal on track. 

Unsecured Personal Loans vs. Auto Loans

Unsecured personal loans might cover vehicle purchases, but they often come with higher APRs and shorter terms. Chase’s auto loans are secured by the vehicle, offering better interest rates, longer repayment timelines, and tailored terms for car buyers.

Buy Here, Pay Here vs. Chase

Buy Here, Pay Here dealerships offer credit to buyers with poor history, but often at steep interest and with minimal credit impact reporting. Chase offers clear, fair terms, dealer partnerships, and reliable reporting to credit bureaus—helping you build credit each time you pay. 

How Auto Loans Impact Your Finances and Credit Score in the U.S.

Chase starts with a soft pull, protecting your credit profile. When you finalize your financing, only one hard inquiry counts, even if made alongside others in a short window. On-time payments will build your credit and reduce your Debt-to-Income (DTI) ratio, which is important for future lending like mortgages. They offer Auto Pay, paperless statements, and proactive alerts to keep you on track.

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Debora Roque
Written By

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.

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