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Private Party Auto Loans

Used Car Loans for Private Seller Purchases

PNC makes it easy to get the financing
you need for the car you want. [1,2]

Check Current Auto Loan Rates*


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


Key Features

Apply in Branch

Apply for an auto loan[1] by scheduling an appointment at a branch.

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]


Get Your Loan Check Fast

You can pick it up at a PNC Bank Branch, or have it sent to your home[4]

How Car Loans for Private Party Purchases Work

Step 1 — Research

Research how much car you can afford by reviewing rates and estimating a monthly payment. Find the accurate value of your car according to J.D. Power here

Step 2 — Apply

Apply for a private party auto loan[1] at a branch.

Step 3 — Buy a Car

Close at a PNC branch and receive your check that same day. Or, have the documents sent to your home; then once you return your signed documents, receive your check in the mail[2,4].

View Important Disclosures »

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


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 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.

What You Need to Know When You 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

If you are purchasing a vehicle from a private seller you will need:

  • Vehicle selling price, year, make and model
  • Vehicle trade in value, year, make and model
  • Down payment, if any
  • VIN number of vehicle to be purchased


Prior to Applying for the Auto Loan:

You will need to obtain the actual purchase price of the vehicle.  At that point, you may want to contact your state Department of Motor Vehicle or comparable agency for additional information around where to go to complete the title transfer, fees, and taxes, and additional information required by your state to complete the title transfer. You are responsible for paying these expenses. You may want to consider including these fees and/or taxes into the requested loan amount. 

What You Need to Know After Closing the Auto Loan

Upon closing the auto loan, responsibility falls on you and the seller to make the changes to the title. Title could be sent to PNC Bank from prior lienholder. If that happens, you will be contacted by a represenative from PNC Bank. They will send the title and all paperwork from prior lienholder to you to get the transfer completed.  Additionally, all fees and taxes incurred during this transaction is your responsibility to pay. PNC Bank is not responsible to pay or reimburse you for those fees or taxes. 

Additional items may be required: Clean Title, State Department of Motor Vehicle form, Odometer Reading, Proof of Insurance, Notarized Bill of Sale, Copy of Driver's License, Power of Attorney Form, etc. Each state's requirements may differ, recommend contacting your state Department of Motor Vehicle for what is required.

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.

Click here for more information

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.

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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.

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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 and 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.

PNC is a registered mark of the PNC Financial Services Group, Inc.

*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. 

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