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

Key Features

Conveniently Apply

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

Negotiate Your Best Deal

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 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 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 an eligible 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. PNC Total Auto® is provided by TrueCar.

How to Apply and Check Ready Loan Details

Reminder: You can only use your check at a U.S. eligible dealer.

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 US 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 $50,000:

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.

Check Ready Details

Minimum Loan Amount $7,500
Maximum Loan Amount $50,000
Valid Model Years 2013-2021
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.

Calculator: How much will my vehicle payments be?

How to Apply for an Auto Loan

Find out what's involved in the car buying process — from the ways you can apply, to a list of what you'll need for your application.

Ways to Apply


Apply Now

By Phone:


Mon - Fri: 7am to 10pm ET
Sat - Sun: 8am - 5pm ET

Eligible Dealers

Checks may be used only at eligible dealers that are licensed in the United States to sell new vehicles manufactured by an automotive company (for example, Kia, Ford, and BMW). Checks may be used to purchase new or used vehicles from such dealers.

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 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 Rolls-Royce
Cadillac Lamborghini Smart
Chevrolet Land Rover Subaru
Chrysler Lexus Tesla
Dodge Lincoln Toyota
Ferrari Lotus Volkswagen
Fiat Maserati Volvo
Ford Mazda  
Genesis McLaren


Important Legal Disclosures & Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply.

  3. May exclude weekends and holidays

*The Auto Loan rates displayed upon clicking “Get Rates” include a 0.25% discount for setting up automatic payment from a PNC Checking account at loan closing. Displayed rates are available to well-qualified applicants. Your actual APR may be higher and will be based upon multiple factors. See "Important Disclosures" for more details.

PNC and PNC Total Auto are registered marks of The PNC Financial Services Group, Inc.


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