At a Glance
Rates & Fees
Key Features
Relationship discount for existing PNC checking customers
Both dealer and private-party purchase financing available
Online pre-qualification with no impact to credit score
Pros & Cons
Pros
- Relationship discount can lower the rate for existing customers
- Finances private-party purchases, not just dealer sales
- Soft-pull pre-qualification available
Tradeoffs
- Best rates require an existing PNC banking relationship
- Not available in every state
How to Apply
Get pre-qualified with PNC Bank to see an estimated rate before you shop for a vehicle, if the lender offers it.
Compare your pre-qualified rate against at least one other lender or your dealership's financing offer.
Gather proof of income, insurance, and identification, plus the vehicle's details (VIN, price, mileage) for the formal application.
Submit the full application through PNC Bank directly; approval usually involves a hard credit inquiry.
Review the final APR, term, and total interest on the loan agreement before signing at the dealership or online.
How It Compares
Current product highlighted| Product | APR Range | Loan Amount | Vehicle Age Limit |
|---|---|---|---|
| PNC Auto Loan | 5.99%–18.99% | $3,000–$100,000 | New & used (up to 10 years old for used vehicles) |
| Consumers Credit Union Auto Loan | 3.99%–19.99% | $250–$500,000 | New & used (up to 10 years old) |
| PenFed Auto Loan | 5.19%–17.99% | $500–$150,000 | New & used |
| LightStream Auto Loan | 7.24%–15.89% | $5,000–$100,000 | Any age |
Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, vehicle, and loan term — always confirm current terms directly with the lender.