Buying from a Dealer

PNC Check Ready Auto Loans

Secure your financing before you head to the dealer so you can shop with confidence.[1]

Apply Now

Apply online get a decision in as little as 15 minutes![2,3]

Have Questions?

Give us a call today!

Check Current Auto Loan Rates*

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 with a new or existing PNC Checking account*

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 as little as 15 minutes. If approved you can have your check sent overnight to your home.[2, 3]

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 U.S. licensed 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:

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. The PNC Total Auto℠ is provided by TrueCar.

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.

See How Easy Financing Can Be With Check Ready

Watch the Step-by-Step Guide

With a PNC Check Ready Auto Loan you can shop like a cash buyer, putting you in the driver's seat.

Important Legal Disclosures & Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply.

  3. May exclude weekends and holidays.

*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. See "Get Rates" for more details about current rates.

PNC is a registered service mark of The PNC Financial Services Group, Inc. ("PNC"). PNC Total Auto is a service mark of the PNC Financial Services Group, Inc.

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