PNC’s Check Ready loan gives you a pre-approved check—so you can negotiate at the dealership like a cash buyer.
Benefit from competitive, market-based APRs from one of the most trusted U.S. banks.
Lower your interest rate when you set up automatic payments from a PNC checking account.
Whether you’re buying new, used, refinancing, or buying from a private seller—PNC covers it all, including lease buyouts.
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Dealer Financing Made Simple+
Lock in your rate before stepping into the dealership. Whether you’re eyeing a new or used car, PNC’s pre-approval helps you stay in control from the test drive to the signing.
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Refinance Without the Hassle+
Swap your current loan for one with better terms. PNC makes it easy to lower your interest rate, reduce your monthly cost, or tweak your loan term to match your needs.
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Flexible Loans for Any Situation+
Found a great deal from a private seller? Want to keep your leased vehicle? PNC offers tailored financing for both private purchases and lease buyouts.
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Loyalty Comes with Rewards+
Set up AutoPay from a PNC checking account and enjoy a 0.25% rate discount—saving you money and simplifying your monthly payments.
Buying your own car is a milestone of independence. Whether you’re commuting daily, planning weekend trips, or managing your family’s busy schedule, owning a reliable vehicle brings freedom, stability, and peace of mind. But how do you make the leap without compromising your financial health?
That’s where PNC Auto Loans comes in—offering customized, competitive financing solutions that fit your needs and lifestyle. With flexible terms, transparent rates, and multiple loan types, PNC helps you drive away with confidence.
Why Finance with PNC Bank?
- Fixed APRs starting from 5.59% with AutoPay enrollment
- Terms ranging from 12 to 84 months—ideal for different budgets
- No application or prepayment penalties, so you stay in control
- Check Ready pre-approval program: shop like a cash buyer, skip delays
- Low down payment financing options available
- Auto loans for self-employed and 1099 workers
PNC offers tools like online calculators, branch support, and credit guides to ensure you’re well-prepared. Unlike many competitors, PNC also gives more flexibility for unique credit profiles, including borrowers recovering from past financial issues.
Whether you’re buying new, used, or refinancing an existing vehicle, PNC supports you at every step with educational resources and personalized assistance.
Types of Auto Financing Offered by PNC:
- Traditional Auto Loans – For new or used car purchases from dealerships
- Refinancing – Lower your rate or monthly payment on an existing auto loan
- Lease Buyout Loans – Finance the buyout of your leased vehicle
- Private Party Auto Loans – Purchase vehicles directly from individuals
- Auto Loans for Self-Employed – Use alternative income proof like tax returns
Quick Loan Comparison:
| Feature | PNC Bank | Capital One | LightStream |
|---|---|---|---|
| APR Starting From | 5.59% (w/ AutoPay) | 6.79% | 7.49% |
| Loan Terms | 12–84 months | 24–72 months | 24–84 months |
| Pre-Approval Option | Check Ready | Yes | No |
Real-Life Loan Example: Let’s say you’re financing a $25,000 vehicle:
- Down Payment: $5,000 (20%)
- Loan Amount: $20,000
- Term: 60 months
- Estimated Monthly Payment: $386 at 5.59% APR
Need lower monthly payments? Opting for a longer term (72 or 84 months) could reduce your burden, though it may increase total interest. Always calculate the Total Cost of Ownership (TCO).
PNC makes it easy to understand your options. Their online tools and in-branch advisors ensure you’re making the right decision for your financial goals. Their customer-first approach means fewer surprises and more confidence.
What credit score do I need to qualify? While approval varies, most successful applicants have scores of 600 or above. Even if you’re below that, PNC offers guidance and co-signer options to help you get approved. Some applicants with 580 have reported approval using manual underwriting and proof of stable income.
Want to improve your approval odds and get better terms? See the next page.
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