What is the Chase Auto dealer network?
Quick insights
- The Chase Auto dealer network consists of thousands of participating dealerships across the country.
- You can use an online locator tool to find participating dealerships in your area before you begin shopping.
- Getting prequalified online allows you to see your estimated financing terms before you visit a participating location.
Hunting for a new car is hard enough without having to confirm financing options at every dealership. The Chase Auto dealer network includes thousands of participating dealerships, helping you identify where Chase financing may be available. Understanding how this network works may help you spend less time asking questions and more time test driving.
Understanding the Chase Auto dealer network
“The Chase Auto dealer network is a group of franchise and independent dealerships. If a dealership participates in the network, you may be able to explore financing options through Chase while shopping at that location. The dealership generates the auto loan using Chase's integrated digital system and then assigns that contract directly to Chase.
Getting prequalified online could help you understand your potential loan terms—such as your annual percentage rate (APR) and borrowing limits—before heading to the dealership. When you take that online approval to a participating network dealer, they will finalize the contract using those exact terms, provided the vehicle and purchase price match your application. This embedded relationship can help you finance through the dealership while enjoying the terms you secured directly from the bank.
How to find a participating location
To benefit from this integrated financing experience, you will need to locate a dealership within the network. Fortunately, there are a few simple ways to find participating dealerships in your area.
- Use the online locator: You can use the Chase auto dealer locator tool on the Chase website to search for participating locations by ZIP code or city and state. This tool can help you find lots where your preferred financing is accepted.
- Browse the digital marketplace: Many participating dealers list their available inventory directly on the Chase Auto Marketplace.
- Ask the dealership: If you are already visiting a lot or speaking with a salesperson, you can ask if they are a Chase Auto dealer network partner.
The benefits of using network dealers
Shopping within this network offers several potential benefits that could make your purchasing journey more efficient.
- Streamlined financing: Because these dealerships are integrated with Chase's digital portal, they can submit your application, access rate sheets and manage your funded contract directly from their office. This may help reduce the time you spend waiting for approvals.
- Prequalification integration: If you get prequalified for financing online before visiting the lot, the dealer can look up your approval using your information. They can then apply those preapproved terms directly to your final purchase agreement.
- Extensive inventory: With thousands of participating locations, you are not limited to a small selection of vehicles. You can shop for almost any make or model, from brand-new releases to certified pre-owned options, while still utilizing your preferred financing.
Preparing for your dealership visit
Once you have identified a participating location and found a vehicle you like, taking a few preparatory steps could help you finalize your purchase smoothly. You might start by getting prequalified online to see your estimated borrowing capacity and interest rate. Arriving at the dealership with this information in hand allows you to focus on negotiating the price of the car rather than worrying about your financing approval.
You may also want to gather the necessary documents before you leave home. Dealerships typically require a valid driver's license, proof of insurance and sometimes proof of income to finalize your auto loan. Having these items organized and ready to present to the finance manager could help avoid delays.
