Auto Loans and Financing for
New & Used Cars

Car loan and finance options for new or used vehicles. 

Not sure where to start? Compare auto loans.

Check Current Auto Loan Rates*


Named Best Overall
Auto Loans From a Bank
— Bankrate, 2023


Find & Finance Your Car with PNC

Find a Car

Search for vehicles and know what people in your area paid for the same car[**].

Explore PNC Total Auto®**

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Buy a Car

We have a loan to suit your needs — shop for new or used cars with one of our auto loans[1].

Explore Auto Loans


Refinance Your Auto Loan

Take advantage of a great rate on a PNC auto loan[1].

Apply For a Refinance Loan

Resume Saved Application »

   Learn More


Explore Your Auto Loan Options

Shop new or used cars with the right lending solution for you.

Buy from a Dealer

Apply now and shop with check in hand. Buy a new or used car from an eligible dealer[1, 2, 3].

Apply for a Check Ready Loan

  Apply for a Traditional Loan

Resume Saved Application »

  Learn More

Buy From a Private Party

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


  Learn More



Buy Out a Lease

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

Apply for a Lease Buyout Loan

Resume Saved Application »

  Learn More



Learn More

When is the Best Time to Buy a Car in 2023?

Timing can be an important factor in the car buying process. See when you might have the best chance to get a good deal and learn how timing can impact your decision making.

4 min read

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

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

Important Legal Disclosures & Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply.

  3. Checks may only be used at dealers licensed to sell new vehicles from a manufacturer such as Ford, Kia or BMW or from an eligible dealer found on Checks may be used to purchase new or used vehicles from such dealers. Before visiting a dealer, confirm that it is an eligible dealer. For more information, visit

*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.


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