PNC Check Ready
Auto Loan

Rates as low as 6.99% APR.

$15,000-$75,000 | 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 and subject to change.

Other loan amounts, repayment terms, model years and rates are available.

Apply Now

Have questions? 1-888-370-7344

Check Current Auto Loan Rates*

How It Works

Get in your new car faster with Check Ready financing.

Apply

Apply for your Check Ready auto loan online, by phone or at a branch.^[2]

Get a Decision

In most cases you'll get a decision in minutes. If approved, you can have your check sent overnight to your home.^[2,4]

Shop with Confidence

Take your check to an eligible dealer and negotiate your best deal.^[2,3]

Apply Now Online

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

Monthly Payment Estimate Calculator

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.

Ready to Start Your Total Auto Journey?

Find & finance your car, all in one place.^[1]

Search Cars**

Find a car in your area and price range.

Start Your Search**

**PNC Bank's website terms, privacy and security policies don’t apply to the site you're about to visit. Please review TrueCar's website terms, privacy and security policies to see how they apply to you. PNC Total Auto^® is provided by TrueCar. Dealer inventory presented to you may contain vehicles that are not eligible to be financed by PNC Bank, such as commercial vehicles or older model year vehicles. Other restrictions on eligible vehicles may apply.

Insights

Utilize PNC's Insights articles to help you make an informed auto-buying decision.

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

Vehicle Shopping? The Right Down Payment Can Save You Money

There are benefits to making the largest down payment you can afford, especially in the face of rising prices and interest rates.

2 min read

How to Buy A New Car

Shopping for a new car can be a complicated experience, especially these days. Make sure you're prepared to get the best deal with these tips from PNC.

4 min read

How to Buy a Used Car

Shopping for a used car can be an overwhelming experience. Make sure you're well prepared for every step of the process with this detailed guide from PNC

5 min read

Should I Buy a New or Used Car?

There are many important factors to consider when deciding whether to buy a new or used car. Read more about the pros and cons of each car buying option.

4 min read

First Time Car Buyer's Guide: What to Know Before You Buy

Buying your first car can be intimidating. Our guide can help you understand what financing options are available and how apply for a loan.

9 min read

View More Insights

Apply for an Auto Loan Today

Apply Online

Share your information and
we'll review your application.

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Apply By Phone

Mon - Fri: 8 a.m. to 9 p.m. ET
Sat - Sun: 8 a.m. - 5 p.m. ET

1-888-370-7344

Apply at a Branch

Visit us to
complete an application.

Find a Branch

Annual Percentage Rates: Annual Percentage Rate (APR) of 6.99% available to well-qualified applicants for auto loans in amounts of $15,000 to $75,000 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 $7,500 to $75,000 with a 60-month repayment term and secured by a 2023-2025 model year auto range from 6.99% to 16.99%. 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 6.99% APR to 16.99% APR for the featured term means you would make 60 payments that may range from $19.80 to $24.85 based on 30 days to first payment. Rates, terms and conditions are as of 6/1/2024 and are subject to change at any time. For more product information, visit the Check Ready Auto Loan 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 6/1/2024 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 Check Ready Auto Loan page or stop by your nearest branch.
Credit is subject to approval. Certain restrictions and conditions apply.
Eligible Dealers: Checks may only be used at dealers licensed to sell new vehicles from a manufacturer such as Ford, Kia or BMW or from an eligible dealer found on pnc.com/checkready. Checks up to the approved loan amount may be used to purchase new or used vehicles from such dealers. Before visiting a dealer, confirm that it is an eligible dealer. For more information, visit pnc.com/checkready.
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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PNC Check Ready
Auto Loan

Rates as low as 6.99% APR.

Check Current Auto Loan Rates*

How It Works