Auto Loan Refinance

Rates as low as 7.14% APR.

$15,000-$100,000 | 60-month term | 2023-2025 Models^[1]

Rates include a 0.25% discount for automated payment from a PNC checking account. Lowest rates available to well-qualified applicants. Other loan amounts, repayment terms, model years and rates are available.

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Have questions? 1-888-370-7344

Check Current Auto Loan Rates*

How It Works

PNC Auto Financing may help you improve upon your existing auto loan with a competitive APR and flexible terms.^[2,3] Plus, get a fast loan decision.^[3]

Research

Research current refinance rates and estimating a monthly payment.

Apply

Apply for a refinance auto loan online, by phone or at a branch.^[2,3]

Pay Your Existing Loan Off

If approved, once you close at a PNC branch, or via mail, a check will be sent to the creditor to pay off the existing loan.^[3,4]

Start Refinance Application

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:

You need to be listed as a registered owner on the vehicle title.
Have PNC Bank be listed as lienholder on the title.

View More Information

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.

View More Auto Loan Calculators

Insights

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.

10 min read

When is the Best Time to Buy a Car in 2024?

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.

7 min read

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.

3 min read

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Annual Percentage Rates: Annual Percentage Rate (APR) of 7.14% available to well-qualified applicants for auto loans in amounts of $15,000 to $100,000 with a 60-month repayment term and secured by a 2023-2025 model year non-commercial vehicle with up to 100,000 miles (certain additional restrictions apply for vehicles with mileage from 80,000 to 100,000). The lowest 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 for a loan amount of $15,000 to $100,000 with a 60-month repayment term and secured by a 2023-2025 model year auto range from 7.14% to 17.14%. Other rates may be applicable for different loan amounts, repayment terms and model years. 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 Example: The monthly payment per $1,000 borrowed at a range of 7.14% APR to 17.14% APR for the featured term means you would make 60 payments that may range from $19.87 to $24.93 based on 30 days to first payment. Rates, terms and conditions are as of 7/2/2024 and are subject to change at any time. For more product information, visit the Auto Loan Refinance page.

Employees of The PNC Financial Services Group, Inc., may qualify for an employee rate discount. Discount for qualifying employees will be applied to the account at the time of loan approval. The discount may be removed if employment ceases.

Rates, terms and conditions are as of 7/2/2024 and are subject to change at any time. For the most up-to-date rates and product information, contact us at 1-888-370-7344, visit the Auto Lending Refinance page or stop by your nearest branch.
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.
Credit is subject to approval. Certain restrictions and conditions apply. Refinance applies to non-commercial vehicles with up to 100,000 miles (certain additional restrictions apply for vehicles with mileage from 80,000 to 100,000). Model year restrictions apply as well.
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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Auto Loan Refinance

Rates as low as 7.14% APR.

Check Current Auto Loan Rates*

How It Works