CAR FINANCING & REFI LOAN RATES
Lock in your rate, then take control
Discover car financing that puts you in the driver’s seat.
Rates like these are only the beginning
Last updated 05/15/2026. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more
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Refinancing with us saves customers an average of $2,400
Curious how much you can save? Get an answer in minutes.
Learn more about our rates
These rates were last updated on 05/15/2026 based on the details in the chart below.
Financing type | APR | Term | Financing amount |
|---|---|---|---|
New car purchase | 5.69% | 60 months | $45,000 |
Used car purchase | 5.74% | 60 months | $30,000 |
Refinancing | 6.14% | 48 months | $30,000 |
These rates are for online applicants with an excellent credit history.
For example
- Purchase of a new car would have a 5.69% APR for 60 months, monthly payment of $863.50 for $45,000 financing, down payment of $0
- Purchase of a used 2022 year car would have a 5.74% APR for 60 months, monthly payment of $576.36 for $30,000 financing, down payment of $0
- A refinanced auto loan for a 2022 year car would have a 6.14% APR for 48 months, monthly payment of $706.48 for $30,000 financing, down payment of $0
Your rate may vary based on credit history, vehicle, amount and term.
The rates on this page are a resource to help compare our rates to other lenders. We do not guarantee these rates and terms and they do not include taxes and other fees that may be charged at the dealership.
Go beyond our advertised rates
Our calculator makes it easy to get a real sense of your rates and monthly payment.
Advertised rates
- Assume excellent credit history
- Assume a financing amount
- Assume a vehicle value
- Assume a loan term
Personalized rates
- Specific to your credit history
- Specific to your financing amount
- Specific to the car you buy or refi
- Specific to your term
Car financing & refinancing loan rates FAQs
Read answers to common questions about our rates.
Your personalized interest rate may vary based on factors such as:
- your credit
- term length
- vehicle details
- amount financed
To determine your personalized rate, apply for Chase Auto financing.
All applications are subject to credit approval.
To estimate your interest rate and get a sense of your monthly payments, you can use our Car payment calculator.
Our Car payment calculator estimates your rates and monthly payments for new or used car financing, or for refinancing a car, based on the information you provide. Specifically, it will ask for your financing or refinancing amount, credit score and the year, state and make of the car.
Use our Car payment calculator for estimates. Your monthly payment will be based on several factors, such as your amount financed, term, vehicle details and Annual Percentage Rate (APR). To determine your personalized rate and payment, apply for Chase Auto financing. All applications are subject to credit approval.
If you submit an application for credit, you may receive a “hard inquiry” that could impact your credit score. You can start with prequalification, which involves a review of your credit report called a “soft inquiry.” Soft inquiries don’t impact your credit score because you’re not actually applying for new credit.
You can apply for Chase Auto financing online or in-person at any of our network dealers. When you apply, you’ll need to provide details such as your name, address and Social Security number, as well as information about the car you want to finance. If you apply online with us as an existing customer, your saved information will be automatically added when you sign in. Credit decisions are based on your application, your credit and any existing Chase relationship. The interest rates shown on this page apply only to applications submitted online. If you apply at a dealership, available rates and terms may differ. Manufacturer discounts and promotions are not factored into this and may be available at participating dealerships.
To be eligible:
- The car must primarily be for personal, family or household use
- The car can't have more than 120,000 miles
- The car must be 10 years old or newer, or 5 years old or newer for certain makes
- Certain vehicles may be ineligible for financing, including but not limited to certain exotic makes, commercial vehicles and motorcycles.
If your credit score has improved or interest rates have lowered, refinancing could be right for you. Use our Car payment calculator to get a sense of your refinancing options. The calculator is not a prequalification, application or guarantee of offer.
To be eligible:
- Your car can't currently be financed with Chase or one of the following: Aston Martin Financial Services, Jaguar Financial Group, Land Rover Financial Group, Maserati Capital USA, McLaren Financial Services, Rivian Financial Services or Subaru Motors Finance
- Your estimated payoff must be between $4,000 and $99,999
- You need to have at least 12 months remaining on your current term
- Your car can't be leased
- You need to have your current financing for at least 91 days
- Your car must primarily be for personal, family or household use
- Your title can't be salvaged, branded or bonded
- Your car can't have more than 120,000 miles
- Your car must be 10 years old or newer, or 5 years old or newer for certain makes
Knowledge is power
Learn the basics of interest rates from our Education Center.
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