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Buying from a Dealer
PNC Check Ready Auto Loans
Secure your financing before you head to the dealer so you can shop with confidence.[1]
Have Questions?
Give us a call today!
Check Current Auto Loan Rates*
See How Easy it is to Get into the Driver's Seat
A Check Ready Auto Loan lets you shop like a cash buyer - with a "blank" check to use up to the approved loan amount to finance your next car.
Watch How »
Key Features
Apply Online
Apply for a Check Ready auto loan[1] online, by phone, or at a branch.
Shop like a Cash Buyer
Write the Check Ready check up to the approved loan amount[1, 2].
Get 0.25% Off Your Rate
Interest rate discount comes with maintaining automatic payment with a new or existing PNC Checking account*
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, 3]
Step 4 - Shop with Confidence
Shop like a cash buyer and hit the road faster with Check Ready. Use your Check Ready check at a U.S. licensed dealer up to 30 days after your loan approval.[2]
Start Your Car Search with PNC Total Auto
Find a car in your area and price range:
**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. The PNC Total Auto℠ is provided by TrueCar.
Tools & Calculators
Looking for how much car you can afford? Comparing the costs of a new vs. used vehicle? Use our auto loan calculators to understand your options and help you decide.
Calculator: Should I lease or purchase a vehicle?
Calculator: What term of vehicle loan should I choose?
Calculator: How much will my vehicle payments be?
Calculator: Which is better: a new or used vehicle?
Calculator: What vehicle can I afford?
How to Apply for an Auto Loan
Find out what's involved in the car buying process — from the ways you can apply, to a list of everything you'll need for your application.
Ways to Apply
Online:
At a Branch:
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 US passport)
- Previous address, if at current address less than two years
- Previous employer, if with current 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
If you are purchasing a vehicle from a private seller, or are refinancing, you will need:
- Vehicle selling price, year, make and model
- Vehicle trade in value, year, make and model
- Down payment, if any
- VIN number of vehicle to be refinanced or purchased
Servicemembers Civil Relief Act (SCRA)
The SCRA provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.
To find out more, please contact us at:
PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland OH 44101-0570
See How Easy Financing Can Be With Check Ready
Watch the Step-by-Step Guide
With a PNC Check Ready Auto Loan you can shop like a cash buyer, putting you in the driver's seat.
Important Legal Disclosures & Information
Credit is subject to approval.
Certain restrictions and conditions apply.
May exclude weekends and holidays.
*The rates we advertise include the 0.25% automatic payment discount. Discount only applicable as long as payments are set up for automatic deduction from a PNC Checking account. The removal of any discount, such as auto deduction or employee, will increase the rate. The displayed rates are available to well-qualified applicants. Your actual APR may be higher than this range and will be based on your credit qualifications, loan amount, repayment term, model year, whether you elect the automatic payment feature from a PNC checking account and number of days to first payment. See "Get Rates" for more details about current rates.
PNC is a registered service mark of The PNC Financial Services Group, Inc. ("PNC"). PNC Total Auto is a service mark of the PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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