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PNC Bank auto loans review

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Get up to $50,000 with a competitive rate for the car of your dreams.’s rating: 3.3 / 5.0


If you’re raring to hit the open road with a brand new car but don’t have the cash to cover it, an auto loan could be a practical funding solution.


Min. Loan Amount


Max. Loan Amount

Starting at 3.69%



Product NamePNC Bank Auto Loans
Min. Loan Amount$5,000
Max. Loan Amount$50,000
APRStarting at 3.69%
Interest Rate TypeFixed
RequirementsUS 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.

Do I qualify?

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

  • You must have a valid US driver’s license.
  • You must have a personal credit score of at least 630.
  • The vehicle you wish to purchase must be no more than eight years old.
  • You must be at least 18 years old and a US citizen or permanent resident.

If you’re not a US citizen or permanent resident, you’ll still need a valid Social Security number to apply. Otherwise, you won’t be eligible for this loan.

PNC Bank auto loans overview

PNC Bank is a Pittsburgh-based financial services group that currently operates over 2,500 branches across 19 states and Washington, DC. PNC Bank offers a wide array of banking products and services to its customers, including checking and savings accounts, credit cards, home loans and auto loans.

You can use an auto loan from PNC Bank to purchase a new car from a dealership or private seller as well as buy out a lease or refinance your current loan. It offers the 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.

5 types of car loans offered by PNC

  • New car loans. Enjoy the convenience and ease of shopping for a new car from the dealership with a preapproved check from PNC Bank.
  • Used car loans. Use your PNC Bank auto loan at any licensed dealer to purchase a used car with APRs of Starting at 3.69%.
  • Auto refinancing loans. Apply for a loan with PNC Bank online to refinance a preexisting loan on your vehicle and potentially lower your monthly payments.
  • Private party loans. If the car you want is available from a private seller, use your PNC Bank auto loan to cover the upfront cost.
  • Lease buyout loans. Use PNC Bank’s car lease buyout loan to fully purchase the vehicle you’re leasing.

Compare more car loan options

Data indicated here is updated regularly
Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
Varies by network lender
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.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.

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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 isn’t accredited by the Better Business Bureau, and it has a B- rating on the website with over 95% negative customer reviews. However, some borrowers with PNC Bank say that the its interest rates are competitive and that loan officers are flexible should you run into trouble repaying your loan. They also caution potential applicants against additional fees and charges on loans that can be tedious to negotiate.

What are the benefits of a PNC Bank auto loan?

  • Check Ready Auto Loan. PNC Bank offers borrowers loans that allow you to purchase your vehicle with the flexibility and convenience of a cash buyer with check in hand.
  • Convenient online application. There’s no need to book an appointment with a loan specialist to apply for your PNC Bank loan when you can complete your application entirely online.
  • Receive a decision in minutes. After filling out your PNC Bank auto loan application, you can expect to receive a decision in as little as 15 minutes.
  • APR discount. Receive a 0.25% discount on your APR when you sign up for auto payments from your PNC checking account.
  • No prepayment fees. Pay your loan off as soon as you’d like without the hassle of early payment penalties.

What to watch out for

  • Limited availability. Currently, PNC Bank auto loans are only available in 19 states and Washington, DC.
  • Lack of fee transparency. While PNC Bank provides plenty of information on its application process and funding turnaround, it is woefully lacking in its fee schedule transparency.
  • Older vehicles ineligible for funding. PNC Bank doesn’t offer auto loans for vehicles older than eight years.

How do I apply?

Review your submitted information and PNC Bank’s Loan Application Agreement and Disclosures. Click Submit.

You should hear from a PNC Bank loan specialist within one business day to confirm your submitted information. If approved, your funds may be available as soon as one business day after the submission of your loan documents.

What information and documents do I need to apply?

  • Social Security number.
  • A valid email address.
  • A valid US driver’s license.
  • Proof of residence, including government-issued ID with your current address.
  • Income and employment information, including recent pay stubs.
  • Available assets and liabilities.
  • Your most recent tax return.

I got the PNC Bank auto loan. Now what?

Once you have your loan, take these steps to save yourself time and money.

  • Sign up for automatic withdrawals. If you have a PNC Bank checking account, you can receive a 0.25% discount on the APR of your loan when you make automatic payments.
  • Contact PNC Bank customer service. Should you have any questions or run into difficulty repaying your loan, reach out to PNC customer service.

Bottom line

PNC Bank auto loans can help get you the funds you need when you’re looking to purchase your next vehicle or refinance your loan. Keep your eye out for loan fees and penalties as PNC doesn’t offer this information on its website. If you aren’t a member or want to compare more loan options, your can read our comprehensive guide to car loans.

Frequently asked questions about PNC Bank

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.

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  1. Default Gravatar
    July 8, 2019

    Does gap insurance come with the auto loan?

    • Avatarfinder Customer Care
      July 9, 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.


  2. Default Gravatar
    April 22, 2019

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

    • Avatarfinder Customer Care
      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!


  3. Default Gravatar
    November 7, 2018

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

    • Avatarfinder Customer Care
      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!


  4. Default Gravatar
    October 3, 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?

    • Avatarfinder Customer Care
      October 3, 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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