Apply in Branch
Apply for an auto loan[1] by scheduling an appointment at a branch.
Hero Heading
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
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].
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
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.
Calculate: Should I lease or purchase a vehicle?
Calculate: What term of vehicle loan should I choose?
Calculate: How much will my vehicle payments be?
Calculate: Which is better: a new or used vehicle?
Calculate: What vehicle can I afford?
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.
Get Started
Locate a Branch:
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.
Servicemembers Civil Relief Act (SCRA)
The SCRA provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.
To find out more, please contact us at:
PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland OH 44101-0570
Learn More
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How to Buy a Used Car
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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.
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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.
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Important Legal Disclosures and Information
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Credit is subject to approval.
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Certain restrictions and conditions apply.
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%
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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.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
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