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Check Current Auto Loan Rates*
Auto Loan Refinance Key Features
Named Best Overall
Auto Loans From a Bank
— Bankrate, 2023
How It Works
View the auto loan refinance process.
How to Apply For An Auto Refinance Loan
Find out what you'll need to get your refinance loan started.
- 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 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
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.
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)
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570
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.
How to Refinance a Car Loan
If you are one of the millions of Americans with an auto loan, you may have considered refinancing your car loan. In this article, you will discover what refinancing entails, situations that may drive you to do so, and how you may benefit from refinancing.
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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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Refinancing: Refinancing at a longer repayment term may lower your car payment, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase your car payment, but may lower the total interest paid over the life of the loan. For example, if you have a 60-month loan that matures in 55 months and you refinance for another 60 months at a lower rate, your payments will be lower but you will pay interest for an additional 5 months. Contact us to discuss the option that best meets your needs.
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%
Processing times may exclude weekends and holidays.
*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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