Auto Loan Refinance

Keep the car you love, but lower your payments.[1,2]

Check Current Auto Loan Rates*

 Auto Loan Refinance Key Features

Apply Today

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

Refinance at a Lower Interest Rate

You'll enjoy lower car payments in the process.[1,2]

Get 0.25% Off Your Rate

Interest rate discount comes with maintaining automated payment with a PNC checking account.[3]

How It Works

View the auto loan refinance process.





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


Pay Your Existing Loan Off

Once you close at a PNC branch, a check will be sent to the creditor to pay off the existing loan.[1,4]

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.

How to Apply For An Auto Refinance Loan

Find out what you'll need to get your refinance loan started.

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)
  • Current address and previous, if less than two years
  • Current employer and previous, if less than two years
  • 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 refinancing a vehicle you will need:

  • VIN number of vehicle
  • 30 day payoff amount, interest per day (per diem), account number and overnight address for sending the payoff check

By Phone

Mon - Fri: 8am to 9pm ET
Sat - Sun: 8am - 5pm ET

Upon closing the refinance auto loan, you will be required to ensure you are listed as the registered title owner and PNC Bank as lienholder. 

If you are currently listed on the title, PNC Bank will need the original title and state required form signed/dated. Everyone's situation may be different, so if there are additional steps needed to be taken to secure the title, a representative from PNC Bank will be in contact with the you to further instruct.

View more information about post-auto loan closure  

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:

Phone: 844-PNC-SCRA (844-762-7272)

Fax: 855-568-4532


PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570

Auto Calculators

The tools and calculators provided are for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. Please consult your financial, tax or legal advisor regarding your unique situation.


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

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