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PNC Bank auto loans review

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PNC Bank Auto Loans
Finder score
Min. Loan Amount
Max. Loan Amount
Starting at 2.94%


Get up to $50,000 with a competitive rate for the car of your dreams.

PNC Bank offers low rates and a wide range of options. But expect to pay more with private party financing and lease buyouts.


  • Check Ready Auto Loan
  • Convenient online application
  • Receive a decision in minutes
  • APR discount
  • No prepayment fees

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Min. Loan Amount $5,000
Max. Loan Amount $50,000
APR Starting at 2.94%
Interest Rate Type Fixed
Requirements US citizen or permanent resident with a valid driver’s licence and a personal credit score of 630+ purchasing a vehicle that is 8 years old or less.

PNC Bank reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1.17 out of 5 stars, based on 142 customer reviews
BBB customer complaints 1,604 customer complaints
Trustpilot Score 2.3 out of 5 stars, based on 17 customer reviews
Customer reviews verified as of 16 October 2020

PNC Bank gets mostly negative reviews — overall. However, some borrowers with PNC Bank say that its interest rates are competitive and that loan officers are flexible should you run into trouble repaying your loan. But others also caution potential applicants against additional fees and charges on loans that can be tedious to negotiate.

How PNC Bank compares to other providers

Here’s how PNC Bank stacks up to similar lenders with online car loan programs.

PNC Bank Auto Loans

LightStream Auto Loans

Go to site

Minimum credit score


Minimum credit score

Good to excellent credit


Starting at 2.94%



Loan amount

$5,000 – $50,000

Loan amount

$5,000 – $100,000

PNC Bank rates, fees and terms

PNC Bank APRs start as low as Starting at 2.94% APR — though it varies depending on where you live. It doesn’t disclose if this includes any origination fees or if it charges a prepayment penalty. Terms range from 12 to 72 months and loans start at $5,000 and cap out at $50,000.

Generally lower rates go to loans for dealership purchases from the current year over $7,500 with a term of 48 months or shorter. Lower loan amounts, longer terms and other types of financing will typically land you with a higher rate. Older vehicles also come with higher rates.

Use this calculator to see how much a PNC Bank auto loan might cost you.

What types of car loans does PNC Bank offer?

PNC Bank offers the basics, plus some hard-to-find car loan options:

  • New and used car loans. Financing to purchase a car from a dealership with rates starting at 3.69% and amounts starting at $7,500.
  • Private party car loans. Funding to pay for a loan from a nondealership seller with rates starting around 3.24% APR.
  • Lease buyouts. A loan to purchase a car you’re currently leasing with rates starting at about 3.09% APR.
  • Refinancing. Trade in your current car loan for a better deal with rates starting at 3.09% APR.

PNC Bank requirements

To be eligible for an auto loan from PNC Bank, you meet the following criteria:

  • Valid US driver’s license
  • Personal credit score of at least 630
  • The vehicle you want to purchase must be no more than eight years old
  • You’re at least 18 years old and a US citizen or permanent resident

You’ll need a valid Social Security number to apply. Otherwise, you won’t be eligible for this loan.

How the application works

You can apply for a PNC Bank auto loan by filling out a form on its website. Within one business day of submitting your information, you should get confirmation from a PNC Bank loan specialist that it’s been received. You’ll also be provided instructions for next steps.

If approved, your funds may be available as soon as one business day after the submission of your loan documents. Or, it offers a Check Ready Auto Loan to qualifying applicants looking to shop for a new car like a cash buyer with a preapproved PNC Bank check in hand before signing off on the loan.

What sets it apart

PNC Bank offers a wider range of financing options than you’ll find with most providers. And its online application sets it apart from other regional banks, which often require you to visit an office in person.

But you might be able to find a lender that’s more transparent about fees. And where most lenders offer everyone a 0.25% autopay discount, you must have a PNC Bank checking account to get a reduced rate.

Want to look for better rates or just shop around before you apply? Compare more providers with our guide to car loans.

Frequently asked questions about PNC Bank

Get answers to top questions about this regional bank’s car loans.

What are the different ways I can make a payment on my PNC Bank loan?

You can pay your auto loan with PNC Bank over the phone, with a check or money order or online using an electronic funds transfer from an external account.

Does PNC Bank accept cosigners on its auto loan applications?

Yes, cosigners are welcome to apply alongside loan applicants.

How do I contact PNC Bank?

You can visit a branch during business hours to speak to a loan representative in person, email customer service for online support or call 888-762-2265 to speak to a PNC Customer Care Consultant, Monday through Friday, 7 a.m. to 10 p.m. and Saturdays and Sundays, 8 a.m. to 5 p.m. ET.

Compare more car loan options

Use this table to see how PNC Bank compares with other auto loan providers.

Name Product Filter Values Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
Go to site
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

Car loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We rate car loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.

Read the full methodology of how we rate car loan providers to get a better picture of what goes into each star rating.

Your reviews

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July 08, 2019

Does gap insurance come with the auto loan?



July 08, 2019

Hey Brooke,

Thanks for reaching out to Finder.

According to our pages and the PNC website, it doesn’t show any information if GAP insurance is included in their auto loan. Best to get in touch with PNC to obtain this important information.

As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.



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April 22, 2019

Does PNC offer any protection to the auto loan? i.e (GAP, Payoff protection)


Jeni Finder

April 23, 2019

Hi Bre,

Thank you for getting in touch with Finder.

PNC has the Servicemembers Civil Relief Act (SCRA) where it provides financial relief and protections to eligible servicemembers and their dependents. PNC would be able to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

I hope this helps.

Thank you and have a wonderful day!



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November 07, 2018

I was told by PNC bank I could pay my auto loan payment using a credit card. Is this accurate?


Joshua Finder

November 20, 2018

Hi Angie,

Thanks for getting in touch with finder. I hope all is well with you. :)

There’s no specific information regarding how to use a credit card to pay your auto loan payment. However, what is clear is that you can pay your PNC auto loan over the phone, with a check or money order or online using electronic funds transfer from an external account.

What I suggest is for you to confirm that with PNC themselves and ask for specific instructions on how to do so.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!



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October 02, 2018

Does the check ready auto loan act as the down payment on the car? In other words after I get this check and have the car I want do I still need to give a down payment?


Charisse Finder

October 03, 2018

Hi Ronnie,

Thanks for reaching out to finder.

A check ready auto loan from PNC bank will let you shop like a cash buyer using a “blank” check up to an approved loan amount to finance your car purchase. If you get approved for PNC bank check ready auto loan, they will provide you a check which you can use to pay for your new car’s down payment or even full payment, provided your approved loan amount allows you to pay in full.

You can contact PNC bank if you need more information on their check ready auto loan offer.

I hope this helps.



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