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Best for: Borrowers outside Chase's nine excluded states with $4k–$100k payoffs and a personal-use vehicle up to 10 years old

Chase Auto

Chase Auto — refi $4k–$100k, vehicles up to 10 years and up to 120k miles, advertised $2,600 average lifetime savings.

Min credit
Not disclosed
APR
Not published
Max vehicle age
10 yrs
Max mileage
120k mi

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"Not disclosed" means Chase Auto does not publish this on their public site. "No restriction" means Chase Auto explicitly states no limit.

Overview

Chase Auto refinances loans from other lenders for personal-use cars, light trucks, minivans, and SUVs. Eligibility is well-documented: payoff between $4,000 and $99,999, at least 12 months remaining on the current term, at least 91 days of seasoning, vehicle 10 model years or newer (5 years for cer…

What’s great

  • Detailed, transparent eligibility envelope
  • Generous loan ceiling (up to $99,999)
  • 120,000-mile cap is competitive
  • No Chase account required to refinance

What to know

  • Refinance unavailable in HI, KY, MD, MI, MN, MO, MT, OK, WY
  • Excludes loans currently held by Chase, Aston Martin, Jaguar, Land Rover, Maserati, McLaren, Rivian, or Subaru Motors Finance
  • Hard credit pull on application — no soft-pull prequalification
  • APR range and FICO floor are not published
  • Vehicle must have at least 12 months remaining on the current term

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
Maximum vehicle age10 years
Maximum mileage120,000 miles
Loan amount range$4,000 – $99,999
Term lengthNot disclosed
States served41 states

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

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Sources

Every figure on this page is sourced from Chase Auto's own published materials. Rates, eligibility, and terms can change — verify directly with Chase Auto before applying.

  1. [1]Chase Auto Refinance — payoff $4,000–$99,999; at least 12 months remaining; at least 91 days seasoning; vehicles up to 10 years (up to 5 for certain makes), up to 120,000 miles; no salvage/branded/bonded titles; personal use only; refi not available in HI, KY, MD, MI, MN, MO, MT, OK, WY; excluded brands include Aston Martin, Jaguar, Land Rover, Maserati, McLaren, Rivian, Subaru, and Chase itself; advertised average lifetime savings $2,600 — JPMorgan Chase Bank, N.A.
    https://autofinance.chase.com/auto-finance/refinance
    Last checked: October 2026