Last Updated: 04/18/2025
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Highlights
Amount Range
$5,000 - $100,000
APR (Fixed APR)
2.89% - 9.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
630 - 850
Loan Term (Months)
12 - 72
PNC Auto Refinancing Review
PNC auto refinance is an auto loan refinance offering by PNC Bank, based in Pittsburgh, PA. Founded in 1845, PNC Bank offers auto refinance loans in 18 states (and Washington, DC).
Key Takeaways
- Vehicle types. PNC Bank only refinances cars and trucks.
- Fair credit accepted. The credit score needed for PNC Auto Refinancing is relatively low. Borrowers with a credit score as low as 630 may qualify for PNC Auto Refinancing.
- Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with PNC Auto Refinancing.
- Fast process. In some cases you can refinance your auto loan within 1 business day.
- Hard credit pull required. You can't check your rates or see if you prequalify for PNC Auto Refinancing without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- No origination fee. PNC Auto Refinancing does not charge an origination fee for processing your loan application.
- Long loan terms. PNC Auto Refinancing offers loan terms of up to 72 months. Most auto refinancing loans have a maximum term of 60 months.
PNC auto refinance Pros & Cons
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PNC auto refinance FAQ
How much can you borrow via PNC auto refinance?
Auto refinance loan amounts start at $5,000 and go up to $100,000.
What are the auto loan refinancing rates offered through PNC auto refinance?
PNC auto refinance offers a fixed APR car loan refinancing product that ranges from 2.89% APR up to 9.74% APR.
What is the maximum loan term you can get with PNC auto refinance?
PNC auto refinance offers auto refinancing with terms ranging from 12 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.
Does PNC auto refinance charge an origination fee on auto refinance loans?
No, PNC auto refinance does not charge a loan origination fee for refinancing a car loan.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.
Does PNC auto refinance charge a late fee?
Yes, auto refinance loans via PNC auto refinance are subject to late payment penalty fees .
Does PNC auto refinance charge prepayment fees?
No, there is no prepayment penalty.
What do you need to qualify for PNC Auto Refinancing?
Applicants with a credit score of at least 630 and up to 850 may be eligible for PNC Auto Refinancing. The minimum age to be eligible is 18 or the state minimum, whichever is higher. PNC Auto Refinancing does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by PNC Auto Refinancing.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with PNC auto refinance?
Auto refinance loan applications are typically funded within 1 to 3 days of approval.
Does PNC Bank perform a hard credit pull?
Yes, PNC auto refinance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is PNC Bank a legit company?
PNC Bank was founded in 1845, it is a well-established company that has been in business for 181 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from PNC auto refinance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM