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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*

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


Named Best Overall
Auto Loans From a Bank
— Bankrate, 2023

Key Features

Conveniently Apply

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

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]

View Important Disclosures»

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. 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.[5]

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

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.

Apply for a traditional auto loan»

Check Ready Details

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

Tools & Calculators

Calculate how much a vehicle payment might be.

Applying for an Auto Loan

Find out what's involved in the car buying process.

Ways to Apply

By Phone:


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

Eligible Dealers

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 


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


Learn More

How to Buy A New Car

Shopping for a new car can be a complicated experience, especially these days. Make sure you're prepared to get the best deal with these tips from PNC.

4 min read

How to Buy A Car Online

Car buyers can now complete much of the transaction without leaving home. Learn how to navigate the online car-shopping experience with this guide from PNC.

4 min read

How to Buy a Used Car

Shopping for a used car can be an overwhelming experience. Make sure you're well prepared for every step of the process with this detailed guide from PNC

5 min read

Car Warranty Scams: What to Watch For & How to Avoid Them

Whether through a phone call, text, email or letter, you've likely experienced a car warranty scam at some point. Get tips from PNC on how to deal with them.

3 min read

When is the Best Time to Buy a Car in 2023?

Timing can be an important factor in the car buying process. See when you might have the best chance to get a good deal and learn how timing can impact your decision making.

4 min read

Paying Off Your Car Loan Early: Things to Consider

Thinking of paying off your car loan? While there’s the benefit of reducing your debt, take time to assess your personal financial position before making a decision. In this article, we highlight some of the important considerations to keep in mind.

3 min read

Important Legal Disclosures & Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply.

  3. 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%

  4. May exclude weekends and holidays

  5. 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.


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