Availability: All 50 states.
Chase, which is the consumer and commercial banking arm of JPMorgan Chase & Co., has been offering banking, investment, credit and mortgage services since 1982. Chase’s auto financing branch offers competitive rates on loans for new or used cars, as well as a variety of refinancing options for currently-owned vehicles.
Chase Car Loan APR ExampleChase Car Loan Payment CalculatorWells Fargo BBB


Rank Chart
Loan Amount
Term Length
Our Score
36-75 months
$5k-No Max
12-84 months
36-72 months
48-72 months

The Good

Chase accepts cosigners on all car loans, which is a benefit for individuals with little established credit or for couples who want to apply together.

The Chase loan calculator offers users the capability to compare three different loan options at once. This helps users to assess which loan is best for their financial needs without having to do a lot of math; users can simply plug in a few numbers and see their results.

Borrowers who are approved for a Chase car loan will receive a .5% APR discount if they have a checking account with Chase.

The Bad

Chase will not finance cars that will be used for racing, taxi, chauffeur, limousine or other commercial purposes. Chase also does not offer loans for motorcycles, boats or RVs. Borrowers who want to finance a recreational vehicle or a car to be used for work purposes will need to opt for another lender.

Chase requires all car loan applicants to have a current, open Chase account. This means that borrowers will need to open a Chase banking account before they can qualify for a Chase car loan. Unlike most of the other lenders we reviewed, which can notify borrowers of approval within minutes, Chase’s approval can take up to 24 hours. This may create a delay for borrowers who are hoping to expedite the approval and funding process.

The Bottom Line

Although borrowers must be Chase customers to get a car loan, Chase offers competitive APR rates (2.00-4.00%). Approval may take longer than other lenders, but it takes just a few minutes to apply and the loan application may be completed online.

Not looking for Chase Car Loans? Try these pages:

Chase Credit Cards

Chase Paymentech

Chase Bank

Chase Mortgages

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