Auto Loan Refinance


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

Have questions? 1-888-370-7344

Check Current Auto Loan Rates*

Key Features

Refinance at a
Lower Interest Rate

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

Apply Today

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

 

Get 0.25% Off Your Rate

Interest rate discount comes with maintaining automated payment with a PNC Checking account.*

How Refinancing an Auto Loan Works

Step 1 — Research

Research current refinance rates and estimating a monthly payment.

Step 2 — Apply

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

Step 3 — Pay Your Existing Loan Off

Close at a PNC branch or have the documents sent overnight to your home. Then once you return your signed documents, receive your check overnight[3,4].

View Important Disclosures »

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 After Closing the Auto Loan

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

If you are currently listed on the title, PNC 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.

Important Legal Disclosures and Information

  1. Credit is subject to approval.

  2. 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. Contact us to discuss the option that best meets your needs.

  3. Certain restrictions and conditions apply. 

  4. May exclude weekends and holidays.

*The rates we advertise include the 0.25% automated payment discount. Automated payment must be set up at loan closing to qualify for the .25% discount. Discount only applicable as long as payments are set up for automated payment from a PNC Checking account. The removal of any discount, such as automated payment or employee, will increase the rate.  Advertised rates are available to well-qualified applicants. Your actual APR may be higher than the advertised rate range and will be based on your credit qualifications, loan amount, repayment term, model year, whether you elect the automated payment feature from a PNC checking account and number of days to first payment. See "Get Rates" for more details about current rates.

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

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