Apply online, by phone or at a branch. Once approved, take your PNC Check Ready check to any eligible dealer[1,2].
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
Apply online, by phone or at a branch. Once approved, take your PNC Check Ready check to any eligible dealer[1,2].
Includes a 0.25% interest rate reduction for setting up and maintaining automated payments from a PNC checking account.[3]
Write the Check Ready check up to the approved loan amount[1, 2].
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®**.
Apply for your Check Ready auto loan[1] online, by phone or at a branch.
In most cases you'll get a decision in minutes. If approved, you can have your check sent overnight to your home.[2, 4]
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]
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.
Reminder: You can only use your check at a U.S. eligible dealer.[5]
If you are applying with a co-applicant, you will need their:
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.
Minimum Loan Amount | $7,500 |
Maximum Loan Amount | $75,000 |
Valid Model Years | 2015-2024 |
Terms Available | Various repayment terms available |
Rate | Fixed |
Prepayment | No prepayment penalty |
Payment Frequency | Monthly |
Eligible Dealers | Any U.S. franchise dealership |
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
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 listed below. Checks may be used to purchase new or used vehicles from such dealers. Before visiting a dealer, confirm that it is an eligible dealer.[5]
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
CarMax |
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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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
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 pnc.com/checkready. 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 pnc.com/checkready.
*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.