Auto Loans, Financing and Refinancing for New and Used Cars

Whether you're starting your search, figuring out what you can afford, or have a car in mind, we can help you take the next steps. 

Business Checking Accounts

Every business needs a good foundation, starting with a PNC business checking account.


Check Current Auto Loan Rates*

Buying From a Dealership

Use the Check Ready loan to purchase a new or used car from a dealership.


Secure your financing before you head to an eligible dealer so you can shop with confidence. Apply online and get a decision in minutes. Get started with a Check Ready Auto Loan or a Traditional Auto Loan.

 

  Check Ready
Auto Loan
Traditional
Auto Loan
Loan Amount $7,500 - $50,000 $5,000 to $7,499 and $50,001 to $100,000
Apply Online
   
Shop with a "Blank Check"    
Vehicle price and information known at time of application    
Terms Various Various
Usable at Eligible Dealers    
New and used vehicle less than eight years old    
If used, vehicle must have less than 100,000 miles    
Apply Online Apply Online
Resume Saved Application »
New or Used
Estimate the cost of your monthly payment using our customizing payments tool

Find a New or Used Vehicle

Searching for your next car? Explore how much you may save save with PNC Total Auto®**.
Shop new or used cars in your area.

Shop New Cars Shop Used Cars

Refinancing Your Auto Loan

Refinancing can be an opportunity to lower your monthly payments, pay off your loan quicker or reduce your overall interest.

Step 1 — Research

Research current refinance rates and estimating a monthly payment.


Step 2 — Apply

Apply for a refinance auto loan[1] online, by phone or at a branch.


Step 3 — Pay Your Existing Loan Off

Close at a PNC branch or have the documents sent to your home. Then once you return your signed documents, a check will be sent to the creditor to payoff the loan.

Refinance
Estimate the cost of your monthly payment using our customizing payments tool

Other Auto Loan Options

Buy Out a Lease

Own the vehicle you're currently leasing[1].
 

Apply for a Lease Buyout Loan

Resume Saved Application »

  Learn More

 

Buy From a Private Party

Used car loans — to purchase from an individual seller[1].  
 

1-888-370-7344

  Learn More

 

Not sure where to start? Explore All Lending Options »

Learn More

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

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

Important Legal Disclosures and Information

1. Credit is subject to approval.

2. Certain restrictions and conditions apply.

*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 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.

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.