How to Set Up and Manage Chase Auto Loan Payments by Phone

Chase Auto Payment Phone Numbers and What They Handle

Chase has two main phone lines for auto loan payments, and which one you call depends on what you need. For general auto loan questions and payment setup, call 1-800-935-9935. If you already have an account and need to make a one-time payment right now, you can also use 1-800-955-9060, which routes to their automated payment system. Both numbers work during business hours, typically 7 a.m. to 9 p.m. Central Time on weekdays and 8 a.m. to 5 p.m. on Saturdays.

When you call, have your loan number and the last four digits of your Social Security number ready. The system will ask you to verify your identity before discussing your account or processing a payment. If you call outside business hours, you can leave a callback request, though response times vary.

Chase also offers payment options beyond the phone—online through their website, through their mobile app, or by mail—so the phone is not your only route. Many people find the phone useful when they need to ask questions about their payment schedule, discuss a missed payment, or set up automatic payments for the first time.

Key Takeaways

• Call 1-800-935-9935 for account questions and to set up automatic payments, or 1-800-955-9060 to make a one-time payment through the automated system.
• Have your loan number and the last four digits of your Social Security number ready before you call.
• Phone lines are open 7 a.m. to 9 p.m. Central Time on weekdays and 8 a.m. to 5 p.m. on Saturdays.
• You can also pay online, through the Chase mobile app, or by mail if you prefer not to use the phone.

Setting Up Automatic Payments Over the Phone

When you call to set up automatic payments, a representative will walk you through linking a bank account or debit card to your Chase auto loan. You will need to provide your routing number and account number if you are paying from another bank, or your debit card details if you prefer that method. Chase will ask which day of the month you want the payment to come out—most people choose a date shortly after they get paid.

Once automatic payments are set up, Chase will deduct the amount on that date every month. You can change the payment amount, the date, or cancel automatic payments by calling back, though canceling requires you to make payments another way. Many people set automatic payments to cover at least the minimum due, then make extra payments online when they have the money.

The representative can also tell you whether your loan allows you to pay ahead without penalty. Some auto loans charge a fee for early payoff, though Chase auto loans typically do not. Asking this question on the phone saves you from finding out the hard way.

Making a One-Time Payment by Phone

If you need to make a single payment without setting up automatic withdrawals, the automated system at 1-800-955-9060 can process it. You will enter your loan number, verify your identity, and then choose your payment method—bank account or debit card. The system will tell you the amount due and let you pay a different amount if you want to pay extra toward principal.

One-time payments typically post to your account within one business day if you call before 5 p.m. Eastern Time on a weekday. If you call after hours or on a weekend, the payment will process the next business day. Chase will give you a confirmation number at the end of the call; write it down in case you need to reference the payment later.

If the automated system cannot process your payment for any reason—for example, if your bank account information is invalid—it will tell you and suggest you call back during business hours to speak with a representative. Do not assume the payment went through if you did not receive a confirmation number.

What Happens If You Miss a Payment

If your payment is late, calling Chase as soon as you realize it is the right move. A representative can tell you exactly how many days past due you are, what late fees have been added, and what your total amount due is now. They can also discuss whether you have options like a payment plan or a temporary pause on payments if you are facing a hardship.

Chase reports late payments to credit bureaus after 30 days past due, so the sooner you pay, the less damage to your credit. If you are more than 60 days late, your loan may be in default, and Chase can begin repossession proceedings. Calling before you reach that point gives you more options.

If you cannot pay the full amount right now, tell the representative. Some loan servicers can set up a partial payment or a catch-up plan where you pay the arrears over several months along with your regular payment. Chase may or may not offer this depending on how far behind you are, but they will not know you need help unless you ask.

Comparing Phone Payments to Online and App Payments

The phone is convenient if you have questions or need to discuss your account, but it is slower than paying online or through the app. Online and app payments post immediately and give you a confirmation number right away. You can also see your payment history and upcoming due dates without waiting on hold.

Online and app payments work 24/7, so you can pay at midnight on the due date if you need to. The phone lines close at 9 p.m., so if you are a night owl, the app is your better option. Both methods are free, just like phone payments.

The main reason to use the phone is if you need to talk through your options, set up automatic payments for the first time, or discuss a problem with your account. For routine payments when everything is on track, most people find the app or website faster.

Troubleshooting Common Phone Payment Issues

If your payment is rejected, the most common reasons are a closed bank account, insufficient funds, or incorrect routing or account numbers. The automated system will tell you which one it is. If your bank account was closed, you will need to provide a new one. If you do not have enough money, you can try again once funds are available, or call a representative to discuss a payment plan.

If you set up automatic payments but they stopped coming out, your bank account or debit card may have expired. Call Chase to update your payment method. If you changed banks, you will need to provide your new routing and account numbers. Chase will not automatically update this information.

If you made a payment but do not see it on your account after two business days, call to confirm it posted. Bring your confirmation number from the call when you do. Payments can occasionally get lost in processing, and Chase can trace it if you have documentation.

Frequently Asked Questions

Can I make a payment over the phone without setting up automatic payments?

Yes. Call 1-800-955-9060 to make a one-time payment through the automated system, or call 1-800-935-9935 during business hours to speak with a representative. You will need your loan number and a bank account or debit card to pay.

What time should I call to avoid a long wait?

Early morning, around 7 a.m. to 8 a.m. Central Time, and mid-afternoon tend to have shorter wait times than lunch hour or late afternoon. Calling on a Tuesday, Wednesday, or Thursday is usually faster than Monday or Friday.

Do I have to pay by phone, or can I use other methods?

You can pay online at Chase.com, through the Chase mobile app, by mail, or by phone. Online and app payments are fastest and available 24/7. Mail payments take longer to post but work if you prefer not to use digital methods.

What if I want to pay extra toward my loan principal?

When you make a payment by phone, you can tell the system or representative that you want to pay more than the minimum due. The extra amount will go toward principal and reduce the total interest you pay over the life of the loan.

Is there a fee for paying by phone?

No. Chase does not charge a fee for phone payments, online payments, app payments, or mail payments. All payment methods are free.