Conveniently Apply
Apply online, by phone or at a branch. Once approved, take your PNC Check Ready check to any eligible dealer[1,2].
Buying From an
Eligible Dealer
PNC Check Ready Auto Loans
Secure your financing before you head to an eligible dealer so you can shop with confidence. Apply online and get a decision in minutes. [1, 2]
Have questions? 1-888-370-7344
Check Current Auto Loan Rates*
Key Features
Get 0.25% Off Your Rate
Includes a 0.25% interest rate reduction for setting up and maintaining automated payments from a PNC checking account.[3]
Negotiate Your Best Deal
Write the Check Ready check up to the approved loan amount[1, 2].
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, 4]
Step 4 - Shop with Confidence
Negotiate your best deal and hit the road faster with Check Ready. Use your Check Ready check at an eligible 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. PNC Total Auto® is provided by TrueCar. Dealer inventory presented to you may contain vehicles that are not eligible to be financed by PNC Bank, such as commercial vehicles or older model year vehicles. Other restrictions on eligible vehicles may apply.
How to Apply for a Check Ready Loan
Reminder: You can only use your check at a U.S. eligible dealer.
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 U.S. passport)
- 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
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
Click here for more information
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.
Check Ready Details
| Minimum Loan Amount | $7,500 |
| Maximum Loan Amount | $50,000 |
| Valid Model Years | 2014-2023 |
| Terms Available | Various repayment terms available |
| Rate | Fixed |
| Prepayment | No prepayment penalty |
| Payment Frequency | Monthly |
| Eligible Dealers | Any U.S. franchise dealership |
Calculator: How much will my vehicle payments be?
Ways to Apply
At a Branch:
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:
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
Eligible Dealers
Checks may be used only at eligible dealers that are licensed in the United States to sell new vehicles manufactured by an automotive company (for example, Kia, Ford, and BMW). Checks may be used to purchase new or used vehicles from such dealers.
Before visiting a dealer and applying for a PNC auto loan, follow either of these steps to confirm the dealer is a franchise dealer:
Call the dealer and ask if they are licensed in the United States to sell new vehicles manufactured by an automotive company
OR
Visit the official manufacturer website (for example, Ford, Kia, and BMW) and attempt to locate dealer
- Look for a menu option to “Find a Dealer”
- Enter the zip code of the dealer in question into the locator tool
- If the dealership is listed, they are a franchise
List of Auto Manufacturers
Want to find a car first? Search vehicle 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. PNC Total Auto® is provided by TrueCar.
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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.
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Important Legal Disclosures & Information
Credit is subject to approval.
Certain restrictions and conditions apply.
Automated payment must be set up at loan closing from a PNC checking account to qualify for the 0.25% discount. If automated payment is discontinued at any time, you may no longer receive an automated payment discount and your rate will increase 0.25%
-
May exclude weekends and holidays
*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 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.
