Disclosure: PNC Home
PERSONAL
PRODUCTS & SERVICES
LEARNING
SUPPORT
OFFERS
SMALL BUSINESS
CORPORATE & INSTITUTIONAL
ABOUT
Español
Customer Service
Locations
Security
SEARCH
SIGN ON
Buying From an
Eligible Dealer
PNC Check Ready Auto Loans
Secure your financing before you head to an eligible dealer so you can shop with confidence. Apply online and get a decision in minutes. [1, 2]
Apply Now
Resume Saved Application »
Have questions? 1-888-370-7344
Check Current Auto Loan Rates*
Buying From a Dealer
$7,500 - $14,999
90001
Please call for rates for loan amounts greater than $50,000
Hide Details
Pay Off SoonerMost PopularLower PaymentsModel Year12 to 48 Months
APR as low as49 to 60 Months
APR as low as61 to 72 Months
APR as low as2021-20235.34% - 6.04%5.49% - 6.19%5.59% - 6.29%20205.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20195.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20185.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20176.14% - 6.84%6.14% - 6.84%N/A2014-20166.64% - 7.34%6.99% - 7.69%N/A*Important Disclosures*Important Disclosures*Important Disclosures
Key Features
Conveniently Apply
Apply online, by phone or at a branch. Once approved, take your PNC Check Ready check to any eligible dealer[1,2].
Get 0.25% Off Your Rate
Includes a 0.25% interest rate reduction for setting up and maintaining automated payments from a PNC checking account.[3]
Negotiate Your Best Deal
Write the Check Ready check up to the approved loan amount[1, 2].
How It Works
Get in your new car faster with Check Ready financing.
Step 1 - Find Your Car
Search new or used cars, see what others paid for the same car in your area, and explore how much you may save with PNC Total Auto®**.
Step 2 - Apply
Apply for your Check Ready auto loan[1] online, by phone or at a branch.
Step 3 - Get a Decision Fast
In most cases you'll get a decision in minutes. If approved, you can have your check sent overnight to your home.[2, 4]
Step 4 - Shop with Confidence
Negotiate your best deal and hit the road faster with Check Ready. Use your Check Ready check at an eligible dealer up to 30 days after your loan approval.[2]
View Important Disclosures»
Start Your Car Search with PNC Total Auto
Find a car in your area and price range:
New Cars** Used Cars**
**PNC Bank's website terms, privacy and security policies don’t apply to the site you're about to visit. Please review TrueCar's website terms, privacy and security policies to see how they apply to you. PNC Total Auto® is provided by TrueCar. Dealer inventory presented to you may contain vehicles that are not eligible to be financed by PNC Bank, such as commercial vehicles or older model year vehicles. Other restrictions on eligible vehicles may apply.
How to Apply for a Check Ready Loan
Reminder: You can only use your check at a U.S. eligible dealer.
What You Need to Apply
The essentials:
The dollar amount that you would like to borrow
One form of photo ID (driver's license, state-issued ID or U.S. passport)
Previous address, if at current address less than two years
Previous employer, if with current employer less than two years
Your annual income and any other income to be considered
If you are applying with a co-applicant, you will need their:
Current address and previous, if less than two years
Current employer and previous, if less than two years
Annual income and any other income to be considered
Reminder: You will be responsible for transferring the vehicle’s title to your name and placing PNC’s lien on the title.
Click here for more information
For Loans Over $50,000:
You can still apply for an auto loan, but you will not get a "blank" check to shop for a vehicle. Instead, you will get a loan check for a specific loan amount, to be used for purchasing a specific vehicle.
Apply for a traditional auto loan»
Check Ready Details
Minimum Loan Amount $7,500
Maximum Loan Amount $50,000
Valid Model Years 2014-2023
Terms Available Various repayment terms available
Rate Fixed
Prepayment No prepayment penalty
Payment Frequency Monthly
Eligible Dealers Any U.S. franchise dealership
Tools & Calculators
Calculate how much a vehicle payment might be.
Calculator: How much will my vehicle payments be?
Applying for an Auto Loan
Find out what's involved in the car buying process.
Ways to Apply
Online:
Apply Now
Resume Saved Application »
By Phone:
1-888-370-7344
Mon - Fri: 7am to 10pm ET
Sat - Sun: 8am - 5pm ET
At a Branch:
Find a Branch Near You
Servicemembers Civil Relief Act (SCRA)
Eligible Dealers
Checks may be used only at eligible dealers that are licensed in the United States to sell new vehicles manufactured by an automotive company (for example, Kia, Ford, and BMW). Checks may be used to purchase new or used vehicles from such dealers.
Before visiting a dealer and applying for a PNC auto loan, follow either of these steps to confirm the dealer is a franchise dealer:
Call the dealer and ask if they are licensed in the United States to sell new vehicles manufactured by an automotive company
OR
Visit the official manufacturer website (for example, Ford, Kia, and BMW) and attempt to locate dealer
Look for a menu option to “Find a Dealer”
Enter the zip code of the dealer in question into the locator tool
If the dealership is listed, they are a franchise
List of Auto Manufacturers
(External)Acura (External)GMC (External)Mercedes-Benz
(External)Alfa Romeo (External)Honda (External)Mini
(External)Aston Martin (External)Hyundai (External)Mitsubishi
(External)Audi (External)Infiniti (External)Nissan
(External)Bentley (External)Jaguar (External)Porsche
(External)BMW (External)Jeep (External)Ram
(External)Buick (External)Kia (External)Rolls-Royce
(External)Cadillac (External)Lamborghini (External)Subaru
(External)Chevrolet (External)Land Rover (External)Tesla
(External)Chrysler (External)Lexus (External)Toyota
(External)Dodge (External)Lincoln (External)Volkswagen
(External)Ferrari (External)Lotus (External)Volvo
(External)Fiat (External)Maserati
(External)Ford (External)Mazda
Genesis McLaren
Want to find a car first? Search vehicle with PNC Total Auto
Find a car in your area and price range:
New Cars** Used Cars**
**PNC Bank's website terms, privacy and security policies don’t apply to the site you're about to visit. Please review TrueCar's website terms, privacy and security policies to see how they apply to you. PNC Total Auto® is provided by TrueCar.
Learn More
Lease Buyout Explained: Should You Buy Your Leased Car?
When the end of an auto lease period comes up, it's not always a given that you need to trade your wheels in for something new. While there are advantages to trading in your car, there may be benefits to buying your leased car.
4 min read
First Time Car Buyer's Guide: What to Know Before You Buy
Buying your first car can be intimidating. Our guide can help you understand what financing options are available and how apply for a loan.
9 min read
How to Refinance a Car Loan
If you are one of the millions of Americans with an auto loan, you may have considered refinancing your car loan. In this article, you will discover what refinancing entails, situations that may drive you to do so, and how you may benefit from refinancing.
7 min read
Paying Off Your Car Loan Early: Things to Consider
Thinking of paying off your car loan? While there’s the benefit of reducing your debt, take time to assess your personal financial position before making a decision. In this article, we highlight some of the important considerations to keep in mind.
3 min read
When is the Best Time to Buy a Car in 2022?
Timing can be an important factor in the car buying process. Learn when the best time to buy a car is and how timing can impact your decision making.
4 min read
Should I Buy a New or Used Car?
There are many important factors to consider when deciding whether to buy a new or used car. Read more about the pros and cons of each car buying option.
4 min read
View More Insights
Related Resources
SOLUTION
PNC Checking
Makes your financial life simpler! Find out which checking account is best suited for your lifestyle and banking needs.
Learn More »
AUTO LOAN
Make an Auto Loan Payment
PNC offers a variety of different ways for you to make your Auto loan payments. Click here to explore your payment options and FAQs.
Learn More »
FINANCIAL EDUCATION
Credit Score Myths & Facts
Having a good credit score can help you get the best rates when you borrow money. Make sure you know what can impact your number. Learn about credit score myths and facts by watching this video.
Watch Video »
Important Legal Disclosures & Information
Credit is subject to approval.
Certain restrictions and conditions apply.
Automated payment must be set up at loan closing from a PNC checking account to qualify for the 0.25% discount. If automated payment is discontinued at any time, you may no longer receive an automated payment discount and your rate will increase 0.25%
May exclude weekends and holidays
*Check Auto Loan Rates: APRs that will display include a 0.25% discount for automated payment from a PNC checking account. The lowest rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors. Refer to “Important Disclosures" under “Get Rates” for more details.
PNC Total Auto is a registered mark of The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.
PERSONAL
SMALL BUSINESS
CORPORATE & INSTITUTIONAL
SUPPORT
Accessible Banking
Customer Service
@PNCBank_Help
Feedback
ON THE GO
Locate ATM/Branch
Mobile Apps Directory
ABOUT
Careers
Diversity & Inclusion
Corporate Responsibility
SecurityTerms & ConditionsPrivacy Policy
©2022 The PNC Financial Services Group, Inc. All rights reserved.
Annual Percentage Rates: Annual Percentage Rate (APR) shown available to well-qualified applicants for auto loans in amounts of $7500.00 to $14999.00 with a repayment term of 49-60 months and secured by a 2014-2023 model year non-commercial vehicle with up to 100,000 miles (certain additional restrictions apply for vehicles with mileage from 80,000 to 100,000). The lowest rates are available to well-qualified applicants. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan amount, repayment term, model year, automated payment from a PNC checking account and number of days to first payment. APRs for a loan amount of $7500.00 to $14999.00 with a 49-60 month repayment term and secured by a 2014-2023 model year auto range from 5.49% to 16.99%. Other rates may be applicable for different loan amounts, repayment terms and model years. APRs include a 0.25% discount for automated payment from a PNC checking account. Automated payment must be set up at loan closing to qualify for the 0.25% discount. If automated payment is discontinued, you may no longer receive an automated payment discount and your rate will increase 0.25%. Loan Payment Example: The monthly payment per $1,000 borrowed at 5.49% APR for a term of 60 months would require 60 monthly payments of $19.10 based on 30 days to first payment. The monthly payment per $1,000 borrowed at 16.99% APR for a term of 49 months would require 49 monthly payments of $28.44 based on 30 days to first payment.
Credit is subject to approval. Certain restrictions and conditions apply. Rates, terms and conditions are as of Tue Oct 04 16:44:49 EDT 2022 and subject to change at any time.
Based on $7500.00 to $14999.00 for 49-60 months. Payments are estimated. Your actual payment may vary based on loan amount, APR and term.
|