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PNC Check Ready
Auto Loans
Secure your financing before you visit an eligible dealer to shop with confidence. Apply online and get a decision in minutes.[1]
Check Current Auto Loan Rates*
Overview
What is a Check Ready Auto Loan?
Unlike a traditional auto loan, a PNC Check Ready loan allows you to pre-secure financing for your desired vehicle before heading to an eligible dealer.[1,2] In most cases, you'll receive a loan decision in minutes.[1]
A Check Ready loan acts as a "blank check" based on the dollar amount requested to borrow which allows you to negotiate with confidence, quickly write an approved check up to your dollar amount borrowed, and drive off in your new vehicle faster than a traditional loan.[1]
| Check Ready Auto Loan |
Traditional Auto Loan | |
|---|---|---|
| When is Loan Decision Provided? | Decision in minutes | Decision in minutes |
| Secure Financing Before Visiting the Dealer | Yes | No |
| Loan Amounts Available | $7,500 - $75,000 | $5,000 - $100,000 |
| 0.25% Interest Rate Discount[4] | Yes, with automated payments | Yes, with automated payments |
How it Works
Get in your new car faster with Check Ready financing.
Named Best Overall
Auto Loans From a Bank
— Bankrate, 2023
Check Ready Loan Key Features
What You Need to Apply
Prepare to apply for a Check Ready Loan.
Reminder: You can only use your check at a U.S. eligible dealer.
The essentials:
- The dollar amount that you would like to borrow
- One form of photo ID (driver's license, state-issued ID or U.S. passport)
- Current address and previous, if less than two years
- Current employer and previous, if less than two years
- Previous address, if at current address less than two years
- Previous employer, if with current employer 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
For Loans Over $75,000:
You can still apply for an auto loan, but you will not get a "blank" check to shop for a vehicle. Instead, you will get a loan check for a specific loan amount, to be used for purchasing a specific vehicle.
Reminder: You will be responsible for transferring the vehicle’s title to your name and placing PNC’s lien on the title. More information on vehicle title loans
| Minimum Loan Amount | $7,500 |
|---|---|
| Maximum Loan Amount | $75,000 |
| Valid Model Years | 2015 - 2024 |
| Terms Available | Various repayment terms available |
| Rate | Set |
| Prepayment | No prepayment penalty |
| Payment Frequency | Monthly |
| Eligible Dealers | Any U.S. eligible dealership listed below |
How To Apply for an Auto Loan
Find out what's involved in the car buying process.
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:
Phone: 844-PNC-SCRA (844-762-7272)
Fax: 855-568-4532
Email: Servicemembers@pnc.com
PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570
Tools & Learning
Monthly Payment Estimate Calculator
The tools and calculators provided are for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. Please consult your financial, tax or legal advisor regarding your unique situation.
Insights
Utilize PNC's Insights articles to help you make an informed auto-buying decision.
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First Time Car Buyer's Guide: What to Know Before You Buy
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