FAQs

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.

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.

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.

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.

See our contact us page for payment addresses.

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.

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.

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.

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.

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.
Watch an online video about payment allocation.

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.

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.

Keep in mind: The cutoff time to cancel a payment is:

• 11:00 PM Eastern time on any business day for payments from a Chase checking or prepaid account
• 8:00 PM Eastern time on any business day for payments from a non-Chase checking account

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.

1. Sign in to chase.com and choose “See a payoff quote” within the “More” menu to see your payoff quote and verify your address. Follow the instructions to submit your payoff by mail or online.


2. Make sure to update your address, if needed, before completing your payoff because we will mail your title or lien release to the address that appears on your auto account statements - unless you live in an electronic (paperless) state. Florida doesn’t generate a lien-free title when the electronic lien is released. You should contact the state’s DMV to request a lien-free title.


3. Be sure to cancel any automatic payments when you pay off your loan.

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.

Review the Lease Agreement that you signed at the retailer. You may contact us to request a copy.

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.

Yes, you can purchase your leased vehicle at any time during the lease. Contact us for forms, instructions, and the payoff amount. We cannot accept payoffs from third parties (such as friends and family). If a retailer would like to purchase your vehicle, they will need to contact us directly for the retailer payoff amount. 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.

Visit Chase Direct Auto to complete an application for lease purchase financing from Chase. 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.

Check the status of your application about 24 hours after submission at chase.com/loanstatus.

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.

• If you are more than six months prior to your maturity date, you can go to chase.com


• If you are less than six months prior to your maturity date contact us

Refer to the documentation provided when the quote was received to confirm the "good through" date.

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.

• If you purchase your lease at the end of your term (all contracted payments made), you will pay the residual value provided in your Lease Agreement, plus any applicable purchase option fee. Any additional payments made after your contracted term will continue to reduce the residual value amount.
• If you purchase your lease before the end of the lease term, you will pay the adjusted lease balance, plus any past due monthly payments, unpaid late charges, or other amounts due under the lease.

If your payoff quote overlaps your payment due date, you will see an amount for Monthly Payment Due. This is not an extra payment, as the Monthly Payment Due was subtracted from the Purchase Price and includes a service fee 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 service fee and tax. We recommend sending the payoff check via overnight delivery if this is a concern.

To release your title, your account balance must be $0, and we must have received a properly completed odometer statement. We will release the title to the mailing address on the account within 2-10 days. You can expect your title within 15-30 days. Please note that receiving your title could take longer depending on Postal Service delivery.

Sometimes retailers will purchase your leased vehicle when you purchase or lease another vehicle, although we (not you) own the leased vehicle. In that case, your retailer obtains a payoff quote from us, which is the full amount you would have paid under your purchase option. Retailers often refer to the purchase of your leased vehicle as a “trade in” although they are just purchasing the vehicle from us. The terms of any trade-in agreement, such as your trade-in allowance on your new vehicle, are solely between you and your retailer. 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.

No, the pre-inspection is optional. See Wear and Use for additional information.

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.

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.

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.

The lease-end bill may include the following:

• Early termination charge: An early termination charge may apply, including remaining payments, as outlined in the Early Termination section of your Lease Agreement.


• Deferred payments/Payment balance: If you have any unpaid deferred payments or balances remaining, it will be added to your final Lease-End Bill.


• Excess mileage charge: You can estimate your excess mileage charges by multiplying your excess miles by the per mile charge in your Lease Agreement.


• Turn–in fee (Disposition fee): If you or the retailer do not purchase the vehicle, the turn-in (disposition) fee covers the associated transport and related auction or sale expenses. If you lease another vehicle of the same brand, the Loyalty Waiver may cover the fee. This is a common fee for leased vehicles.


• Tickets and citations: 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.

Visit chase.com to learn more.

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.

If you are ready to buy a Subaru within the next 30 days, start by looking for vehicles near you¹. 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.

¹ADDITIONAL 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.

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.

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.

To complete the online application, you’ll need to tell us:

• Which vehicle you want to finance. Information about the vehicle should be pre-populated based upon the vehicle you selected.


• If you plan to trade in a vehicle, you and the retailer will agree to the actual trade value as part of the purchase.


• The amount you want to finance and the length of time, or term, in months and annual mile, where applicable for a lease.


• Personal information, including: your name, Social Security Number, date of birth, address, phone number and email address.


• Financial information for each applicant, including employment history and current annual income.

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.

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.

If you choose to apply with a co-applicant, your co-applicant must provide:

• Personal information, including his or her name, Social Security Number, date of birth, address and phone number


• Employment history and annual salary information

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.

No. You don’t have to contact a Subaru retailer before you apply online.

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.

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.

You can check your application status online using the reference code and link provided in the decision email.

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.

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.

To obtain financing, you’ll need:

• A printout of your application approval page


• A valid government-issued photo ID


• Your trade-in vehicle, if applicable (also, take your title certificate, if you have it)


• Your down payment, if applicable


• The retailer may request additional documentation or information at the time of purchase.

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.

Approvals are valid for thirty (30) days from the date of decision.

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.

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.

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.

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.

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.

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.