Bank · FDIC insured
Chase Auto Loan Rates
Chase auto loans start at 6.24% APR for a new vehicle and 6.29% for a used one. Rates checked October 16, 2026.
How Chase’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Chase has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Chase
6.24%APR
- Terms
- up to 60 months
- Discount
- None included
New car purchase
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Chase auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.24%
- Used vehicleUsed6.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Chase ranks
By auto loan score, in each area where it has branches
- #89 of 99New York-Newark-Jersey City, NY-NJ metro665
- #92 of 102Los Angeles-Long Beach-Anaheim, CA metro329
- #67 of 80Chicago-Naperville-Elgin, IL-IN metro265
- #68 of 76Dallas-Fort Worth-Arlington, TX metro194
- #36 of 44Miami-Fort Lauderdale-West Palm Beach, FL metro172
- #75 of 81Houston-Pasadena-The Woodlands, TX metro154
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New car purchase
Online applicants with excellent credit history. Purchase must be from a dealer in the Chase network. Vehicle must be 10 years old or newer (5 years or newer for certain makes), under 120,000 miles, and for personal, family, or household use. Rate may vary based on credit history, vehicle, financing amount, and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.24% | Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. |
Refinancing
Online applicants with excellent credit history. Vehicle must be for personal, family, or household use, 10 years old or newer (5 years or newer for certain makes), under 120,000 miles, and not currently financed with Chase or specified affiliate lenders. Estimated payoff between $4,000 and $99,999, current financing for at least 91 days, and at least 12 months remaining on current term. Title cannot be salvaged, branded, or bonded. Cannot be leased.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.79% | Based on 48 months and $30,000 financing amount (example 2022 year car) with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. Refinancing with Chase saves customers an average of $2,600. |
Used car purchase
Online applicants with excellent credit history. Purchase must be from a dealer in the Chase network. Vehicle must be 10 years old or newer (5 years or newer for certain makes), under 120,000 miles, and for personal, family, or household use. Rate may vary based on credit history, vehicle, financing amount, and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.29% | Based on 60 months and $30,000 financing amount (example 2022 year car) with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.