Buying from a Dealer

PNC Check Ready Auto Loan

Auto lenders offer on-site financing, but with a PNC Check Ready Auto Loan you can shop like a cash buyer, putting you in the driver seat[1].

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Call 1-888-370-7344, or

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Check Ready Auto Loans Overview Video

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 »

What is a Check Ready Auto Loan?

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 via a new or existing PNC Checking account[3].

About the Car Buying Process & How PNC Check Ready Can Help

Step 1 - Research

Research how much car you can afford by reviewing rates and estimating a monthly payment. Use the NADA guides to look up the value of new and used cars.

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 as little as 15 minutes. If approved you can have your check sent overnight to your home.[2]

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 licensed dealer up to 30 days after your loan approval.[2]

View Important Disclosures »

Watch the Step-by-Step Guide:

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 a 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.

Meet Bree

"My biggest financial achievement is saving enough money to buy a car."

- Bree G.

Important Legal Disclosures and Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply. May exclude weekends and holidays.

  3. 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.

Bank deposit products and services provided by PNC Bank. Member FDIC