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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. Apply online and get a decision in minutes. [1,2,3]

Have questions? 1-888-370-7344

Check Current Auto Loan Rates*

Please call for rates for loan amounts greater than $50,000

Key Features

Ways to Apply

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 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]

Reminder: You will be responsible for transferring the vehicle’s title to your name and placing PNC’s lien on the title.
Click here for more information


Start Your Car Search with PNC Total Auto

Find a car in your area and price range:

New Cars**   Used Cars**


**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.

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.

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 what you'll need for your application.

Ways to Apply


Apply Now

By Phone:


Mon - Fri: 7am to 10pm ET
Sat - Sun: 8am - 5pm ET

Important Legal Disclosures & Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply.

  3. May exclude weekends and holidays.

*The rates we advertise include the 0.25% automatic payment discount. Automatic payment must be set up at loan closing to qualify for the .25% 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.  Advertised rates are available to well-qualified applicants. Your actual APR may be higher than the advertised rate 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 and PNC Total Auto are registered marks of the PNC Financial Services Group, Inc.


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