Frequently Asked Questions about Payments

Keep in mind: Don't use the one-time payment option to make a payoff. This will cause delays in posting the payoff. Refer to the loan payoff FAQs or lease end options for more information on making a payoff.

To make a one-time payment:

1. Sign in to your auto account and choose “Pay loan” or “Pay lease.”
2. Choose your “Payment type” (and amount), “Pay from” account,” and “Payment date”.
3. After you’ve finalized your amounts, choose “Pay this bill.” Then, review the details and choose “Pay it” to submit the payment.

There are several ways to pay your auto account.

1. Sign in to your auto account, choose “Pay loan" or “Pay lease" and follow the instructions.
   
2. You'll have the option to choose a monthly “pay on” date”, the duration of the automatic payment series, and the first payment date. You can review selection details by choosing the “See payment schedule” option.
3. After you review the details, choose “Set up” to complete the process.

Watch an informational video on how to set up automatic payments.

How long it takes a payment to appear on your account depends on how the payment was submitted to us.

In general, payments will be credited to the account as of the day they're received by us, as long as they're received during business hours or for online payments, prior to the processing cut-off time.  In some cases, missing or incomplete information may cause delays.

1. To see if a payment has been applied to your account, sign in to chase.com and choose your auto account to review your transaction history, which is in the account summary information.
2. Payments will appear in the transaction history once they're applied to your account.

Posting overnight payments usually takes up to 3 business days if all the account information needed to post the payment is included. There may be delays if your payment is missing information, such as your account number or name.

Keep in mind: Even though the posting may be delayed, the payment will be applied with an effective date based on when it was received by us for processing.

• For Loans: Any payment received is first applied to any interest due, then to any principal due, and then to any outstanding fees. Any remaining amount is applied to reduce the principal balance.

  Watch an online video about payment allocation.

• For Lease: The payment is first applied to any amount due on the account, then any outstanding fees/charges. Any amount remaining will be applied to the next payment due.

Keep in mind: Paying more than the amount due won’t reduce the amount you’re required to pay over the life of the lease.

To see your transaction activity:

1. Sign in, choose your auto account, and locate the "Account activity" section
2. Choose the timeframe you wish to see through the "Showing" drop down
3. The transaction activity for the corresponding timeframe will display

Keep in mind: Account activity is also available in your online billing statements.

You can cancel a payment you've scheduled online as long as the payment isn't already in a "Sent", “In Process”, or "Complete" status.

To cancel a one-time payment you scheduled:
 

1. Sign in to chase.com
   
2. Choose "Pay & Transfer" and from the drop-down, choose "Payment activity."
   
3. Choose Auto loans/leases under MY CHASE PAYMENTS (PENDING/PAST).
4. Choose "Cancel" on the payment you want to cancel and confirm on the next screen.

To cancel automatic payments you scheduled online:

1. Sign in to chase.com
   
2. Choose "Pay & Transfer."
   
3. Choose "Automatic payments" under MY CHASE PAYMENTS (PENDING/PAST).
   
4. Choose your Auto account from the drop-down menu under "See automatic payments."
   
5. Choose "Turn off" on the next screen and confirm that you want to turn off on the next screen.

Keep in mind: The cutoff time to cancel a payment is:

11:00 PM Eastern time on any business day for payments from a Chase checking or prepaid account

8:00 PM Eastern time on any business day for payments from a non-Chase checking account

Keep in mind: You can only change your due date two times during the life of the loan. Additional restrictions apply.

To request a due date change:

1. Sign in and choose your auto account. Choose “More…”
2. Choose “Update settings and preferences,” then the “Payment due date,” and follow the instructions.

To request a due date change, call us at 1-800-227-5151

Keep in mind: You can only change your due date one time during a lease. Additional restrictions apply.

Making payments online is a quick and convenient way to pay, but we also offer other payment options. For more info, go to our Ways to Pay.