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PNC Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 17 October 2023
Fact checked

PNC Bank auto loans overview

PNC Bank Union logo

PNC Bank provides multiple vehicle financing choices to over 2,600 branches across several states. You can take advantage of the bank’s competitive rates, flexible repayments, and Check-Ready auto loans. Moreover, PNC’s vehicle loans are available for new and used private-party purchases, lease buyouts, and refinancing.

Want to see what a PNC auto loan will cost? Try the PNC Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key PNC Bank auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: $100,000.
  • Interest rates: From 6.34% to 17.34% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts with autopay and employee rate discounts.

PNC BANK AUTO LOAN OPTIONS

New and used auto loans

PNC offers flexible loans for purchasing and refinancing new and used vehicles. Rates range from 6.34% to 17.34% APR, and you can buy from a dealer or private seller. For private purchases, payment terms can be up to 84 months, and you need to visit a branch to close the loan. Meanwhile, dealership purchases can have terms of up to 72 months.

Check-Ready auto loans

You can also consider a Check-Ready auto loan. Through this, you will receive a blank check before going to a qualified dealership. Then, you can fill out the check up to the approved amount once you finalize the loan. Remember though that the maximum amount you can borrow for this type of loan is $75,000.

PNC Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
PNC Financial Services

PNC Financial Services auto loan

PNC Financial Services auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate PNC Financial Services auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a PNC auto loan

Eligibility criteria

Although PNC doesn’t disclose the eligibility criteria, financing requirements typically include the following:

  • 18 years old or older
  • A legal resident
  • Be employed or have a steady source of income

Make sure to check your credit score and debt-to-income ratio (DTI), too. Maintaining a high credit standing and a low DTI ratio can help you become a well-qualified borrower. This way, you can secure lower APRs and flexible repayment options.

What you’ll need to have ready

Personal details

When you apply for auto financing with PNC Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide PNC with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Consider inquiring about the loan fees that you may also need to pay. Knowing the overall cost of financing your vehicle can help you budget better, compare other choices, and make better decisions about your loan.

Ways to apply for a Meriwest CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-762-2265

Additional PNC auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% discount for automated payments from a PNC checking account and rate discounts for employees of the PNC Financial Services Group, Inc.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, automated payments, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: 100,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Flexible repayment periods.
  • Competitive rates.
  • Rate discounts with autopay.
  • Employee rate discounts.
  • Quick loan approval.
  • Convenient car-buying services through PNC Total Auto.
  • Purchase, refinance, and lease buyout available.
  • Pre-secure financing through a Check Ready Auto Loan.
  • Joint applications allowed.
  • Hardship programs available.

Cons

  • Some auto loans require in-person applications.
  • Undisclosed loan fees.
  • Borrowers with low credit scores may get higher rates.

FREQUENTLY ASKED QUESTIONS

What are the current car loan rates at PNC Bank?

PNC Bank offers car loans starting at 6.34% APR. Remember though that your rates may vary based on different factors, like your credit, loan amount, term, vehicle age, etc.

What credit score is needed for a PNC auto loan?

Though PNC doesn’t disclose the minimum credit score requirements, a high credit score can generally give you a better chance of getting approved.

How long does PNC Bank take to approve vehicle finance?

You can get the loan decision in as fast as minutes.

Are there discounts available on PNC Bank car loans?

You may get a rate discount if you set up automatic transfers from a PNC checking account. Additionally, you can get a rate discount if you are an employee of the PNC Financial Services Group, Inc.

How to pay my PNC auto loan?

You can pay your car loan through online banking, the mobile app, automated payments, the phone, mail, and a branch.

How much do I qualify for with a PNC Bank auto loan?

Depending on your application, you may borrow up to $100,000.

How long does it take for a PNC car loan to be paid into my account?

If you close your loan at a branch, you can get your check the same day. Otherwise, you can have your check sent to you overnight.

What is the maximum length of a PNC Bank car loan?

PNC’s auto loans can extend up to 84 months.

Video: PNC Bank – Rooted in your community

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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