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*

Please call for rates for loan amounts greater than $75,000


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.


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®**.



Apply for your Check Ready auto loan online, by phone or at a branch.[1]


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.[1,3]


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 from the printing of the check.[1,2]

Reminder: Important Title Information

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

Steps when transferring ownership of title: 

  1. You need to be listed as a registered owner on the vehicle title.
  2. Have PNC Bank be listed as lienholder on the title.

Check Ready Loan Key Features

Conveniently Apply

Apply online, by phone or at a branch. If approved, take your PNC Check Ready check to any eligible dealer.[1,2]

Get 0.25% Off Your Rate

Interest rate discount comes with maintaining automated payment with a PNC checking account.[4]

Negotiate Your Best Deal

Write the PNC Check Ready check up to the approved loan amount.[1]

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.

By Phone

Mon - Fri: 8am to 9pm ET
Sat - Sun: 8am - 5pm ET

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


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.

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 


Visit the official manufacturer website (for example, Ford, Kia, and BMW) and attempt to locate dealer 

  1. Look for a menu option to “Find a Dealer”
  2. Enter the zip code of the dealer in question into the locator tool
  3. If the dealership is listed, they are a franchise


List of Independent Dealers 


List of Auto Manufacturers 

Acura GMC Mercedes-Benz
Alfa Romeo Honda Mini
Aston Martin Hyundai Mitsubishi
Audi Infiniti Nissan
Bentley Jaguar Porsche
BMW Jeep Ram
Buick Kia Rivian
Cadillac Lamborghini Rolls-Royce
Chevrolet Land Rover Subaru
Chrysler Lexus Tesla
Dodge Lincoln Toyota
Ferrari Lotus Volkswagen
Fiat Maserati Volvo
Ford Mazda  
Genesis McLaren

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.


Utilize PNC's Insights articles to help you make an informed auto-buying decision.

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How to Buy a Used Car

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Should I Buy a New or Used Car?

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Contact Us

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Sat - Sun: 8 a.m. - 5 p.m. ET

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