PNC Auto Loans: Your Ride, Your Rules

With PNC Auto Loans, you’re not just getting a car—you’re getting freedom. Freedom to choose where and how you buy.

When it comes to buying a car, the last thing you want is a confusing loan process. That’s why PNC Auto Loans focuses on what matters most: giving you the power to shop, finance, and save—on your terms. Whether you’re looking for a new or used car, want to buy from a private seller, or even refinance your current auto loan, PNC puts the control in your hands.

From their unique Check Ready program to flexible options for refinancing and lease buyouts, PNC makes it easy to move forward with confidence. With competitive rates, digital tools, and a trusted bank behind you, your next car could be closer than you think.

What Makes PNC a Smart Choice?

• Pre-approved confidence with Check Ready – Walk into the dealership like a cash buyer with your loan already approved.
• More than just dealership loans – You can finance a private sale, buy out a lease, or refinance an existing loan.
• Bonus savings with AutoPay – Sign up with a PNC checking account and enjoy a 0.25% interest rate discount.
• Fast approvals – Many applicants get decisions in minutes, not days.
• Simple application process – Apply online or at a branch—it’s up to you.
• Loans backed by a major bank – PNC is a nationwide name with a reputation for reliable customer service.

Is PNC Right for You?

Great for people who:

✅ Want a loan ready before they shop

✅ Need options beyond dealer-only purchases

✅ Prefer working with a well-established bank

✅ Want to refinance or buy out a lease

✅ Like saving money through AutoPay perks

Maybe not ideal if:

❌ You’re buying an older vehicle or one with high mileage

❌ You live in a state PNC doesn’t service

❌ You want a fully online, no-branch-required experience

Before You Apply: What to Know

• Minimum loan amounts – You’ll need to borrow at least $5,000 ($7,500 for Check Ready loans).
• Vehicle age and mileage limits – Eligible cars must typically be from model years 2017–2026 and have less than 80,000 miles.
• Regional availability – PNC services aren’t available in every U.S. state, so check your location first.
• Hard credit check required – Full approval involves a credit inquiry.
• Branch visit may be needed – Especially if you’re buying from a private party or refinancing.
• Check Ready has a time limit – You have 30 days to use the approved check after it’s issued.

How It Works: Step-by-Step with PNC

1. Pick your loan type
   Choose between Check Ready, traditional auto loans, private-party financing, lease buyouts, or refinancing.
2. Apply online or in-person
   Submit your application and any required documents.
3. Review and accept your offer
   See your approved loan amount, rate, and terms.
4. Use your loan or Check Ready funds
   If using Check Ready, simply bring your check to a dealership within 30 days.
5. Buy your car
   Finalize the deal and drive away!
6. Set up your payment method
   Enroll in AutoPay through a PNC account and get a rate discount.
7. Stay on top of your loan
   Manage payments through the app, online, or by speaking with a rep at your local branch.