*Loans are subject to credit approval. Certain restrictions and conditions apply. Auto Loan products are only available to applicants currently residing in an area in which PNC offers auto loans. Available rates, loan amounts, repayment terms and model years may vary by product. Visit the Auto Lending product page on pnc.com to enter your zip code in the “Check Rates” tool, click “Apply Now” to enter your zip code under “Let’s Get Started” (with the exception of Private Party) or contact us at 1-888-370-7344 to confirm if the loan product is available in your area. Rates, terms and conditions are as of 3/21/25 and subject to change at any time.
Auto Lending
Important Disclosure Information
Model Years: Auto Loans to be secured by a 2017-2026 model year non-commercial vehicle with up to 80,000 miles. Based on credit qualifications, the vehicle may have up to 100,000 miles. Maximum available repayment term may vary by model year.
Annual Percentage Rates (APRs) shown are for the type of financing, model year, loan amount or desired monthly payment, loan term and credit score rating you entered. The displayed rates are available to well-qualified applicants. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan amount, repayment term, model year, automated payment from a PNC checking account and number of days to first payment. Auto Purchase APRs currently range from 5.59% to 19.94%. Auto Refinance APRs currently range from 5.94% to 24.29%.
APRs include a 0.25% discount for automated payment from a PNC checking account. Automated payment must be set up at loan closing to qualify for the 0.25% discount. If automated payment is discontinued, you may no longer receive an automated payment discount and your rate will increase 0.25%.
Loan Payment Examples: Payment amounts displayed are estimated. Actual payment may vary based upon factors such as APR, loan amount and repayment term. Loan Amount Examples: Maximum loan amounts displayed are estimated. Actual maximum loan amount you qualify for may vary based on factors such as credit qualifications.
Credit Score Rating: The results presented in the “Summary” are based in part on the self-selected option chosen. Your credit qualifications will be evaluated upon submission of an application. Credit qualifications, among other factors, may impact the rate and loan amount for which you qualify.
Refinance Loans: A refinance loan is a new loan that replaces an existing loan. Impacts of refinancing on your rate and/or payment will depend upon the terms and conditions of your current loan versus those of a refinance loan. 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.
Apply Now: If you click “Apply Now” to access the application from this tool, the loan amount, term and model year you have chosen will populate into the application. You will be able to adjust those inputs at that time. Adjusting those inputs in the application may impact the rate and loan amount you were presented in the tool.