Chase Auto doesn't advertise a free CARFAX or AutoCheck report for shoppers or borrowers. I went through its auto finance home page, loan page, FAQ, rate discount page and used-car buying tips on October 16, 2026, and none of them mention either brand. Chase is the lender and runs a shopping site full of dealer inventory, but the dealer sells the car, so the history report is something you get from that dealer or buy yourself.
I read those pages on Friday afternoon, Pacific time. Two things I couldn't do. The Chase Auto marketplace at autopreferred.chase.com loads its listings with scripts, so a plain page fetch showed the search shell but no actual cars, and I couldn't see whether an individual listing carries a CARFAX link. The page code does include a field for a CARFAX one-owner badge, which suggests some listings may show one, but I didn't see it rendered. I also didn't call Chase, so a loan officer might tell you about something that isn't on the website.
Who does what in a Chase car purchase
Chase's auto loan page says that to finance a new or used car through Chase, you must buy from a dealer in the Chase network. The same page says those dealers aren't corporate affiliates of Chase and are "solely responsible" for their products and promotional statements, and that Chase may receive compensation from dealers as part of the service. The marketplace pitches over a million cars from Chase Auto Preferred dealers, and the FAQ says participating dealers are only in select markets and inventory usually refreshes daily.
Chase doesn't finance private-party sales at all, per its auto FAQ. So if you found a car on Facebook Marketplace and hoped a Chase loan would cover it, it won't.
The loan rules that a history report can trip
This is where Chase's fine print and a history report meet. The FAQ lists vehicles Chase won't finance, including:
- cars older than 10 calendar years, or Teslas older than 5
- anything over 120,000 miles
- salvage or branded titles
- cars not titled or registered in one of the 50 states or D.C.
- taxis, limos and rideshare cars, plus commercial vehicles
The application also asks for the car's make, model, trim and mileage, plus the dealer. So if the odometer was rolled back, or the title was washed of a salvage brand in another state, the loan could be approved on facts that aren't true. That's a bad spot to discover later, when you're the one holding the loan and the car. A report won't catch everything, but it's the cheapest way to see a mileage jump or a brand in the car's past. Our post on lenders that require a clean CARFAX on branded titles goes into how this plays out with other lenders.
What Chase does offer instead
The perks on Chase's pages are about the loan. The relationship rate discount is 0.25% off standard rates if you keep an average combined balance of $150,000 or more across eligible Chase accounts and apply through chase.com. It can't be combined with other offers, isn't available for certain brands or lease buyouts, and Chase says it can change at any time. The FAQ says Chase charges no application fee. I'm not quoting an APR because the rate depends on your credit and the car.
Chase's own used-car buying tips do tell you to run a vehicle history report and watch for accidents, water damage, missing repair history and failed inspections. It doesn't name a provider or offer one.
How Chase compares with other lenders
Navy Federal is the generous one. Our Navy Federal CARFAX post found up to two free CARFAX reports while an auto loan preapproval is open. Our PenFed post found no free report perk, which is closer to what I found at Chase. Capital One's Auto Navigator sits in between: our Capital One Auto Navigator post found summary history data on listings and some CARFAX links that send you to carfax.com, but no free report from Capital One itself.
Getting the report
Start with the dealer and ask for its CARFAX or AutoCheck by VIN. Our post on whether a dealer's free AutoCheck is enough explains what those can miss. Check title brands free on NMVTIS, and match the VIN on the car to the paperwork. A report emailed to you as a PDF is the easiest kind to fake. CARFAX's own page explains what its reports cover.
We're a licensed CARFAX and AutoCheck reseller and aren't affiliated with CARFAX, AutoCheck, Experian or Chase. Through us in October 2026, a single report has run about $5.50 without an account and $4.50 with a membership, and getting both brands costs around $6.75. Direct retail tends to be $39.99 to $44.99. Your checkout total is the one that counts.
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