Auto Lending

Important Information About Rates & Fees

Annual Percentage Rates (APRs) shown are for the displayed loan amount and repayment term. Loan amounts range from $5,000 to $100,000 and repayment terms range from 12 to 84 months. Rates may vary by loan amount, repayment term and model year. Auto Purchase APRs currently range from 6.64% to 21.74%. Auto Refinance APRs currently range from 6.74% to 22.94%.

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. 

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.

Credit is subject to approval. Certain restrictions and conditions apply. Rates are effective as of 7/2/2024. Rates, terms and conditions are subject to change at any time. For more information, visit

Model Years: Auto Loans to be secured by a 2016-2025 model year non-commercial vehicle with up to 100,000 miles. Repayment term restrictions apply for vehicles with model years 2016-2019. Certain restrictions apply for mileage from 80,000 to 100,000.

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