PNC Check Ready
Auto Loans

Secure your financing before you visit an eligible dealer. Apply online and get a decision in minutes.[1]

Check Current Auto Loan Rates*

Buying From a Dealer
Select Loan Amount
$7,500 - $14,999
$15,000 - $75,000

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

Overview

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. In most cases, you'll receive a loan decision in minutes.[1][2]

 

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.[2]

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®**.

2

Apply

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

3

Get a Decision

In most cases you'll get a decision in minutes. If approved, you can have your check sent overnight to your home.[1][3]

4

Shop with Confidence

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.
View More Information

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]

Get 0.25% Off Your Rate

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

Negotiate Your 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.

How To Apply for an Auto Loan

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

Checks up to the approved loan amount 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 

OR

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 

 Carmax

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

Vehicle Finance Guide

Not sure where to start?  Learn the basics including: 

  • Key auto lending terms.
  • The types of auto financing.
  • How to budget for an auto loan.
Learn How Auto Loans Work
auto contract image

Insights

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

When is the Best Time to Buy a Car?

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.

10 min read

Vehicle Shopping? The Right Down Payment Can Save You Money

There are benefits to making the largest down payment you can afford, especially in the face of rising prices and interest rates.

2 min read

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 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

Should I Buy a New or Used Car?

There are many important factors to consider when deciding whether to buy a new or used car. Read more about the pros and cons of each car buying option.

4 min read

First Time Car Buyer's Guide: What to Know Before You Buy

Buying your first car can be intimidating. Our guide can help you understand what financing options are available and how apply for a loan.

12 min read

View More Insights

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