SmartRatesUSA
Auto Loan Review🏆 Best for Excellent Credit

Chase Auto Loan

Chase

APR 5.79%–17.99% on loans from $4,000 to $600,000.

At a Glance

APR Range

5.79%–17.99%

Loan Amount

$4,000–$600,000

Term Length

12–84 months

Min. Credit Score

600

Vehicle Age Limit

New & used (model year 2015+)

Rates & Fees

APR Range

5.79%–17.99%

Vehicle Age Limit

New & used (model year 2015+)

Prepayment Penalty

None

Late Fee

Varies by state; typically up to $39

Key Features

Competitive rates for excellent credit (starting 5.79%)

Finance new, used, and lease buyouts

Large loan amounts — up to $600k for specialty vehicles

Pros & Cons

Pros

  • Top-tier rates for excellent credit
  • Existing Chase customers may get relationship pricing
  • Very high loan ceiling for exotic/luxury vehicles

Tradeoffs

  • Cannot finance vehicles older than 2015
  • Must use Chase dealership partner or direct financing
  • No private party financing

How to Apply

Get pre-qualified with Chase to see an estimated rate before you shop for a vehicle, if the lender offers it.

Compare your pre-qualified rate against at least one other lender or your dealership's financing offer.

Gather proof of income, insurance, and identification, plus the vehicle's details (VIN, price, mileage) for the formal application.

Submit the full application through Chase directly; approval usually involves a hard credit inquiry.

Review the final APR, term, and total interest on the loan agreement before signing at the dealership or online.

How It Compares

Current product highlighted
ProductAPR RangeLoan AmountVehicle Age Limit
Chase Auto Loan5.79%–17.99%$4,000–$600,000New & used (model year 2015+)
Consumers Credit Union Auto Loan3.99%–19.99%$250–$500,000New & used (up to 10 years old)
PenFed Auto Loan5.19%–17.99%$500–$150,000New & used
LightStream Auto Loan7.24%–15.89%$5,000–$100,000Any age

Frequently Asked Questions

What credit score do I need for a Chase auto loan?

Chase generally looks for a credit score around 600+ for its best rates, though your actual APR within the 5.79%–17.99% range depends on your credit profile, loan term, and the vehicle itself.

Can I use a Chase auto loan on a used car?

Chase's vehicle age policy is: "New & used (model year 2015+)." Confirm your specific vehicle qualifies before applying, since older vehicles are often restricted or priced at a higher rate.

What loan terms does Chase offer?

Chase offers terms from 12 to 84 months. Longer terms lower your monthly payment but increase total interest paid over the life of the loan.

Can I pay off a Chase auto loan early?

Chase's prepayment penalty is listed as "None." If there's no penalty, paying extra toward principal or paying off the loan early generally reduces the total interest you pay.

How does this loan compare to other auto lenders?

See the "How It Compares" table on this page for a few close alternatives side by side, or browse the full list of auto loans to compare APR, loan amount, and vehicle age rules across more lenders.

Other Auto Loans

Consumers Credit Union Auto Loan

3.99%–19.99% APR

PenFed Auto Loan

5.19%–17.99% APR

LightStream Auto Loan

7.24%–15.89% APR

Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, vehicle, and loan term — always confirm current terms directly with the lender.

← Compare all auto loans