Where does PNC Bank do business?

PNC Bank is based in Pittsburgh, PA. It was founded in 1845 and offers auto loans in 18 states (and Washington, DC).

What APR does PNC Bank offer on its auto loans?

PNC Bank offers auto loans with APRs starting at 2.29% .Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term for a PNC Bank auto loan?

PNC Bank offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does PNC Bank charge an origination fee?

Yes, PNC Bank charges a loan origination fee .

Does PNC Bank charge a late fee?

Yes, PNC Bank charges borrowers with a late payment penatly fee.

Does PNC Bank charge prepayment penalties?

Yes, PNC Bank does charge borrowers a penalty fee if they pay their loans early. Consider prepayment penalty fees when you choose a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

What is PNC Bank’s eligibility criteria?

PNC Bank requires borrowers to have a credit score of at least 630 to apply.

To qualify, applicants must provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via PNC Bank?

PNC Bank will typically approve (or deny) a loan application within 1 hour and fund auto loans within 1 and 3 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
  • Credit Score Range
    630 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • Institution Type
  • APR
    Starting at 2.29%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 3
  • Joint Loans Available
  • Loan Amount
    $5000 - $100000
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