Auto Loan Refinancing | Chase Show the Side Menu Chase logo Sign in Chase Auto Home Refinance your car loan and save an average of $2,4001 See your lifetime savings potential. Apply to refinance in minutes. Apply now Already approved? Keep going Ways auto refinancing could help you2 Save money Pay off faster Lower your rate Save money Lower payments could free up more of your budget for other goals. Pay off faster A shorter financing term could help you reach your final payment even sooner. Lower your rate A lower APR could reduce your total cost and help you save over time. See what you can save Save money Lower payments could free up more of your budget for other goals. Pay off faster A shorter financing term could help you reach your final payment even sooner. Lower your rate A lower APR could reduce your total cost and help you save over time. See what you can save How it works Step 1 Apply online Enter your personal and vehicle details to submit an application for approval. Step 2 Sign and submit your documents Complete and send any XClose overlayDocuments can include, but are not limited to: DMV-required forms Applicant(s) driver license(s) Proof of income "> required formsOpens overlayTooltip popup text: Documents can include, but are not limited to: DMV-required forms. Applicant(s) driver license(s). Proof of income and e-sign your closing documents. Step 3 Drive happy We'll pay off your current lender and update your vehicle's title. Apply now Already approved? Keep going Frequently asked questions What is auto refinancing? Auto refinancing is the process of replacing your existing vehicle financing for the purpose of obtaining better terms. This may result in a lower interest rate, reduced monthly payments, or a different financing term. After we approve an application, it typically takes about two weeks to complete the required documentation. It then takes around 30-60 days to payoff your current lender and update your title, depending on the DMV. Are there any fees for refinancing with Chase? Chase doesn’t charge an application fee. However, some states impose title fees and taxes for vehicle refinancing. If your state requires taxes and title fees, we’ll include them in your final financing amount and pay the state agency on your behalf. Can Chase refinance my existing Chase auto financing? Currently, we don’t offer refinancing for vehicles financed through JPMorgan Chase Bank, N.A. ("Chase") or through Aston Martin Financial Services, Jaguar Financial Group, Land Rover Financial Group, Maserati Capital USA, McLaren Financial Services, Rivian Financial Services and Subaru Motors Finance. Do I need a Chase account to get refinancing? No, you don't need a Chase account to refinance your vehicle with Chase. How do I know if refinancing is right for me? 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. Is my vehicle eligible for Chase refinancing? 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 Can I change the names listed on my title or my title state by refinancing? No, you can’t change who’s on your title or the state where your vehicle is titled when refinancing. What if I have a co-owner on my car title? All current owners listed on the title must apply for refinancing together. Does auto refinancing affect my credit score? Applying for auto financing generates a "hard" credit pull and may impact your credit score. What happens if I purchased other products, warranties or insurance, such as GAP? Voluntary protection products (e.g., extended warranty or GAP waiver) included in your current financing may not transfer to the new financing. Check with your current lender to see how refinancing will impact you. How long does the refinancing process take? After you’re approved, it typically takes about two weeks to complete the required documentation. It then takes around 30-60 days to payoff your current lender and update your title, depending on the DMV. Is refinancing available for all remaining balances? In order to refinance with JPMorgan Chase Bank, N.A. ("Chase"), your estimated payoff must be at least $4,000 and less than $100,000. Fees are excluded. What documents do I need to complete the auto refinancing process? All applicants need to provide personal information including income and housing details, as well as a driver’s license. Some states have additional requirements, such as New York, where the title must be provided. 1 Life of loan savings based on Sep 2025 through Feb 2026 customers who refinanced their eligible auto loan with Chase, excluding costs for optional vehicle coverage, tax, title, and registration fees. 2 Your costs and repayment period are based on the amount you borrow, the repayment term you choose, and the interest rate tied to your financing amount, term, and credit history. Certain taxes and fees may apply. Your overall costs could be more, your repayment term longer, and monthly payment higher depending on your circumstances. Consult your financial advisor to see if refinancing your auto loan is right for you. All applications are subject to credit approval by Chase. Additional terms and conditions apply, such as vehicle make, age and mileage. Your current financing must appear on your credit report and your lien must be perfected. You need to have your current financing for at least 91 days before you apply to refinance. You need to have at least 12 months remaining on your current term. Your car must currently be financed with a lender other than JPMorgan Chase Bank, N.A. ("Chase"), 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 title can’t be salvaged, branded or bonded. When you apply, we will run a hard pull on your credit, which may impact your credit score. We're required by law to ask your name, address, date of birth and other information to help us identify you. If you put a freeze on your credit report, contact all 3 credit bureaus (Equifax®, Experian® and TransUnion®) to unfreeze it before you apply. You'll need a Social Security number or ITIN to apply online. Skip Side Menu close navigation Go to chase.com Get your free credit score EXPLORE CHASE AUTO Home Shop Finance Refinance Insights How to manage your account About electric vehicles Frequently asked questions Check application status News & stories OPEN AN ACCOUNT opens in the same window Credit cards Checking accounts Savings accounts CDs Mortgage Home equity Invest with a J.P. Morgan advisor Online investing with J.P. Morgan Chase for business Commercial banking See all CONNECT WITH CHASE Customer service Give feedback Find ATM & branch About Chase J.P. Morgan JPMorgan Chase & Co. 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