Chase manages your auto account. Go to chase.com to create your username and password. You’ll need your auto account number at the top of your statement. You’ll also need your Social Security or Tax ID number.
After you create your username and password at chase.com, you can sign in securely at subarumotorsfinance.com.
How can I update my mailing address?
If you’re a loan customer, you can update your address by choosing “Profile & Settings” on chase.com.
If you’re a lease customer, contact us to update your address. We’ll let you know how the address change may impact your lease account.
Why isn’t my username and password working?
When you get a new vehicle, you may have several online accounts each with a different username and password.
For example in addition to your financial services account (chase.com) you may have an account through your manufacturer or dealer that gives you access to vehicle information, service appointment scheduling and other items related to your vehicle.
Keep in mind: Double-check and make sure the credentials you are using are the ones for chase.com. if you’re still having issues you can contact us.
How do I manage my paperless preferences and other communications?
If you’re the primary account holder you can manage your paperless preferences by signing in to chase.com/paperless. You can then turn paperless statements and letters on or off.
Go back to tabsWhere do I send my monthly payment?
See our contact us page for payment addresses.How can I make a payment online?
After you sign in, choose Make a Payment on your Account page. You’ll be transferred to chase.com to make one-time or automatic 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 for more information on how to make a payoff online.
Am I required to have a Chase checking account to make an online payment?
No, you can add a non-Chase or external account. From the Payment page on chase.com, choose “Add an account” and follow the instructions.
Can I make payments and payoffs by wire transfer?
Yes, payments and payoffs can be made by wire transfer using the information below. You may be charged a fee by the wire transfer provider for this service.
If the sending bank requests physical address information for wire:
Remitter Section: Include your name and address
Reference Section: Include your account number, name and note to release title to and .
How long does it take to post my payment to my auto account?
It 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.
Why hasn’t my overnight payment posted to my account yet?
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 the date it was received for processing.
How is my payment allocated to my account?
For Loans: Any payment received is first applied to any interest due, then to any principal due and then to any outstanding fees. After paying the amount due and fees, any remaining amount is applied to reduce the principal balance.
For Lease: The payment is first applied to any amount due on the account, then any outstanding fees. 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.
Can I cancel a payment that was previously scheduled online?
You can cancel a payment you’ve scheduled online as long as the payment isn’t already in a "Sent" or "Complete" status. Sign in to chase.com and view your “Payment activity” under “Pay & Transfer” to cancel.
How can I change the payment due date?
Sign in to chase.com and choose “Update settings and preferences” within the “More” menu, then choose “Payment due date” and follow the instructions.
Keep in mind: You can only change your due date two times during the life of the loan and only one time during the life of a lease. Additional restrictions apply.
Go back to tabsHow do I get an auto loan payoff quote?
Can I pay off my loan early? Will I incur a fee if I do?
You can pay off your loan whenever you’re ready to and there’s no pre-payment penalty for doing so. We don’t charge pre-payment fees, even if your contract lists a fee.
Go back to tabsWhere do I find the terms for my lease?
Review the Lease Agreement that you signed at the retailer. You may contact us to request a copy.How can I terminate my lease early?
If you return your vehicle more than 30 days before the end of the lease term without purchasing it, you may have to pay a substantial charge which could be several thousand dollars. The actual charge will depend on when the lease is terminated, but the earlier you end the lease, the greater the charge is likely to be. For additional information, see the Early Termination section of your Lease Agreement. Please note that even after you terminate your lease, you may be billed for remaining property taxes, parking tickets, toll charges and other state or local fees due on your account.
Can I purchase my leased vehicle?
Yes, you can purchase your leased vehicle at any time during the lease. Contact us for forms, instructions, and the purchase amount. We can't accept purchases from third parties (such as friends and family). Please note that even after you purchase your lease, you may be billed for remaining property taxes, parking tickets, toll charges, and other state or local fees due on your account.
If you want to finance your vehicle, see the Lease to Loan FAQs for information.
Can I negotiate the purchase price of my vehicle?
We do not negotiate the purchase price as you are bound by your signed Lease Agreement. Any negotiations regarding the purchase would need to take place at the retailer prior to signing your Lease Agreement.
How do I get my lease purchase balance?
When does my payoff quote expire?
Refer to the documentation provided when the quote was received to confirm the "good through" date.What is included in the purchase price?
See your Lease Agreement for the agreed upon value of the vehicle and the purchase option fee. Please note that even after you terminate your lease, you may be billed for remaining property taxes, parking tickets, toll charges, and other state or local fees due on your account.
I received my purchase documents and they include a Monthly Payment Due. Why am I paying an extra monthly payment when I am buying the car?
If your payoff quote overlaps your payment due date, you will see an amount for Monthly Payment Due. This isn't an extra payment, as the Monthly Payment Due was subtracted from the Purchase Price and includes a rent charge and tax. If the quote had not overlapped your normal payment due date, the amount in the Monthly Payment Due section would have remained in the Purchase Price amount. The Total Purchase Price must be paid to meet the terms of your Lease Agreement and close your account. If the payoff check is posted before the payment due date, you may be entitled to a refund, which may include the rent charge and tax. We recommend sending the payoff check via overnight delivery if this is a concern.
How long will it take to process the title after purchase?
To release your title, your account must be paid in full with a $0 balance and we must receive a properly completed, federally required Odometer Disclosure Statement. Following processing of both items, the title will be sent to the address that appears on your auto account statements generally in 2-10 business days or based on State requirements. Contact us directly if you need to update your information. Although we release the title typically within 2-10 business days, please allow up to 30 days to receive your title after the final payment has posted based on mail time and/or state DMV processing.
Is a pre-inspection required?
No, the pre-inspection is optional. See Wear and Use for additional information.I purchased a tire replacement product when I signed my lease. Do I need to use it before I turn in my vehicle?
Yes. If you purchased an extended warranty or other optional products from the retailer at time of lease, it is your responsibility to use the benefits before you return the vehicle. Since they are purchased directly from the retailer, we may be unable to determine which products you purchased.
Who do I contact about the products and services I purchased with my lease?
The retailer should have provided you with documentation about the products and services you purchased. These documents explain terms and conditions, coverage, cancellation provisions, how to file a claim and how to contact your service provider. Contact your retailer for additional information.
How do you know when my vehicle was returned?
In most cases, the retailer will let us know when you returned the vehicle, but it is a good idea to contact us within one business day of vehicle turn-in to ensure that we have the correct date and information to calculate your lease-end bill, if applicable.
What is included on the lease-end bill?
How can I apply for lease purchase financing?
Visit chase.com/leasebuyout to complete an application for lease purchase financing. Lease purchase financing is only available for named lessees on the Lease Agreement, and cannot be transferred to third parties, such as friends or family members. Adding or removing an individual from the lease agreement on the finance application will cause an automatic rejection of the application. You will need to complete a new application with all named parties.
How soon will I receive a credit decision after I submit my application?
A decision is typically made within 1-3 business days. If you entered your email address during the application process, we'll send you a follow-up email. If you applied by phone, a decision letter will be mailed to you.
Check the status of your application about 24 hours after submission at chase.com/loanstatus.
Can I make a payment towards the lease purchase balance?
Payments or paydowns may be made using the same payment information as your regular monthly payments. View our Contact Us page for additional information about making payments.
Depending on the payment amount, there may be a hold for up to 10 business days which may go into a new statement period. The closing process can continue once the payment has posted and an updated purchase quote is available.
How does applying for a loan affect my credit score?
When you apply for a loan, we make a credit report hard inquiry. Each credit reporting agency creates your credit scores. We're unable to provide details how the inquiry could affect your credit scores.
Is there a minimum loan amount required for lease purchase financing?
When financing your vehicle with us, the minimum loan amount required is $4,000.What loan terms are available?
We offer loan terms from 12 to 72 months. This may vary depending on your credit score, age of the vehicle and vehicle mileage.
How long are my approval and/or interest rate good?
Approval decisions are valid for 30 days from the date of approval.How do I sign my loan closing documents?
We'll send all necessary closing documents to you. The package will include easy-to-follow instructions and a phone number that you can use to call us if you have any questions. To speed up the process of closing your loan, we’ll include a postage-paid overnight return envelope and label to send the completed documents back to us.
Some documents may require notarization.
Where can I find more information about the payoff process and the title/lien release?
Visit chase.com to learn more. Go back to tabsWhat if I can’t make my next payment or miss a payment?
Sometimes unexpected issues come up. If you can’t make your next payment or you missed your payment, we may be able to help you. Call us at 1-800-336-6675 so we can discuss possible options that may work for you. We accept operator relay calls.
Go back to tabsHow does the Subaru Motors Finance shopping experience work?
If you are ready to buy a Subaru within the next 30 days, start by looking for vehicles near you 1 . When you find one you’re interested in, use the Contact retailer option to provide your information and meeting preferences. We’ll send that information to the Retailer. The Retailer will contact you soon after we provide your contact information and preferences. If you don’t receive a response, please check your spam folders for an email from the Retailer(s).
In most cases, you will also have the option to complete your finance application before you visit the retailer. You will complete the application online, and the retailer can retrieve the application decision and any applicable information during your visit.
1 ADDITIONAL INFORMATION: The retailers in the Chase network of retailers (“Retailers”) are not corporate affiliates of Chase or its affiliates and are solely responsible for their products, services, concierge services, and promotional statements about them. If you have any questions about any particular vehicle pricing or financing terms, ask your selected Retailers. Chase may receive compensation from Retailers as part of this service. By completing the information request and submitting it, you are consenting to Chase sharing your information entered with your selected Retailers.
Chase is not responsible for and does not provide or endorse third-party products, services or other content.
How often is the retailer inventory refreshed?
Retailer inventory feeds are generally refreshed daily. If you have an inventory-related question on a particular vehicle, please speak with your dedicated Retailer. Vehicle inventory availability is subject to change.
Do I need a Subaru Motors Finance or Chase account to participate in this car buying program?
No, participation is open to anyone who is interested in purchasing a vehicle. You do not need to have a Chase account to participate in this program. You do need to agree that Chase and the retailer(s) will share information with each other to facilitate your shopping experience.
Go back to tabsWhat information do I need to complete the Subaru Motors Finance online application?
Does applying for auto financing impact my credit score?
As part of the application process, Subaru Motors Finance and the selected Subaru retailer will each obtain a consumer credit report for each applicant from one of the three nationwide credit bureaus-Experian, Equifax or TransUnion. (You also may contact these agencies to request a copy for your records.) Each credit report inquiry by a potential creditor will appear on your credit report and may affect your credit score.
Do I need a co-applicant to complete my application?
No, we don’t require you to have a co-applicant. However, if you want to apply online with another person, we will review each applicant’s creditworthiness according to our established credit policy. By clicking “Submit”, Applicant (and Co-Applicant, where applicable) authorize us to check my/our credit reports.
What happens after I submit my Subaru Motors Finance online application?
We’ll make our best effort to provide a fast online decision, but in some cases we may need additional time to review your application. When we have made a decision, it will be made available online and we’ll send you an email letting you know when the decision is available. Once you receive your application decision, you can print it and take it to your Subaru retailer.
Do I have to speak to a Subaru retailer first?
No. You don’t have to contact a Subaru retailer before you apply online.Do I have to select a Subaru before I apply?
Yes. The vehicle you want to buy is an important part of the online application. We base our credit decision, in part, on the selected vehicle’s model, model year and other features, and any approval we provide will be valid only for the selected vehicle. However, while at the retailer, you may decide to buy a different vehicle. In this case your Subaru retailer may contact us, on your behalf, and request financing for a different vehicle.
NOTE: Manufacturer’s suggested retail price does not include destination and delivery charges, tax, title and registration fees. Destination and delivery includes handling and inland freight fees and may vary in some states. Prices, specifications, options, features and models subject to change without notice.
Is Subaru Motors Finance part of Chase?
Subaru Motors Finance (or "SMF") is the program under which JPMorgan Chase Bank, N.A. ("Chase") provides auto financing to Subaru customers, through participating Subaru retailers. The "Subaru Motors Finance" name and logo are owned and licensed by Subaru of America and are licensed to Chase. Chase is not affiliated with Subaru or any Subaru retailer. Neither Subaru nor any Subaru retailer is an agent of Chase. All vehicle sales are through Subaru retailers.
Once I have submitted my application online, how do I check my application status?
You can check your application status online using the reference code and link provided in the decision email.
What does a "pending" application status mean?
If your application is "pending," that means we’re still reviewing your online application and have not yet made a decision. We’ll call you at the phone number you provided if we need additional information. You also can check online using the reference code and link provided in the decision email.
How long will it take to receive a decision?
If you apply during normal business hours, we’ll try to make our decision within sixty (60) minutes. Regardless, you should hear from us within 24 hours.
If I’m approved, what do I need to bring to my Subaru retailer?
If I’m approved, do I have to apply for financing again when I get to my Subaru retailer?
No. That is one of the benefits of applying online. For your convenience, we’ll let your Subaru retailer know you’ve already applied. There is no need to reapply at the retailer, unless something has changed. For example, you decide to buy a different vehicle, you need to finance more than the dollar amount of credit we approved, or the information you provided on your online application has changed.
How long is my approval valid?
Approvals are valid for thirty (30) days from the date of decision.If I’m approved, how do I obtain the financing?
If we approve your application, your approval will include the vehicle description, the Subaru retailer’s name and address, and dollar amount of the financing we approved.
Visit the Subaru retailer listed on your approval to obtain the financing. You and the retailer will negotiate and agree upon the vehicle’s final selling price, any optional products or services you may want to buy, as well as the terms of your financing, including the final dollar amount, annual percentage rate, term and monthly payment. Additional retailer fees, sales/use tax and other charges may apply.
What is the Annual Percentage Rate?
You and the retailer will negotiate and agree upon the terms of your financing including the Annual Percentage Rate (APR). The APR is the annual rate that you pay for borrowing money expressed as a percentage based on the actual yearly cost of funds over the term of your loan.
Go back to tabsMy name is misspelled on my documentation. How do I get it corrected?
Contact us to complete the update. Your name will need to be correct if you plan to purchase the vehicle. Please note that address changes cannot be made online.
Can I take the vehicle out of the continental U.S. or the country?
During the term of your lease, you need to get permission to take the vehicle out of the country. While not required by us, you may also need written permission to take the vehicle out of the continental U.S. To request permission, call Customer Service at 1-800-336-6675. We accept operator relay calls. Note: Please contact us at least two weeks prior to your scheduled departure date.
How are tickets and citations handled for my lease account?
You are responsible for all tickets, citations, penalties and fines. At our option, we may pay on your behalf any fine that you have not paid. You must reimburse us for any such amount immediately upon demand. You should contact the issuing authority for questions regarding the ticket, citation, penalty or fee or, if needed, a copy of the ticket or citation.
Why did I receive a billing statement after I turned in my vehicle?
Billing statements are generated about 2 weeks prior to the due date if the vehicle has not yet been returned and the account closed. If you returned your vehicle, you can disregard the monthly billing statement.