PNC Auto Refinancing

PNC Auto Refinancing

in Auto Loan Refinancing from PNC Bank


PNC Auto Refinancing


in Auto Loan Refinancing from PNC Bank

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Credit Score Range 630 - 850
Loan Amount $5,000 - $100,000
APR  (Fixed APR) 3.09% - 8.54%
Loan Term (Months) 12 - 72 months

PNC Auto Refinancing Review

PNC Auto Refinancing 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
  • Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
  • 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.
  • Vehicle requirements. Vehicles must be less than 8 years old.
  • 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.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
  • 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 Refinancing Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • PNC Auto Refinancing does not report to credit bureaus.
  • Considers applicants with fair credit.
  • Fast funding.
  • Considers older vehicles (max. 8 years)
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee.
  • No co-sign option.
PNC Auto Refinancing FAQ

How much can you borrow via PNC Auto Refinancing?

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 Refinancing?

PNC Auto Refinancing offers a fixed APR auto loan refinancing product that ranges from 3.09% APR up to 8.54% APR.

What is the maximum loan term you can get with PNC Auto Refinancing?

PNC Auto Refinancing 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 Refinancing charge an origination fee on auto refinance loans?

Yes, PNC Auto Refinancing charges a loan origination fee.

Does PNC Auto Refinancing charge a late fee?

Yes, auto refinance loans via PNC Auto Refinancing are subject to late payment penalty fees.

Does PNC Auto Refinancing charge prepayment fees?

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

What do you need to qualify for PNC Auto Refinancing?

Applicants with a credit score of at least 630 and up to 850 are 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. PNC Auto Refinancing only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via PNC Auto Refinancing. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by PNC Auto Refinancing. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

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

What is the maximum car age to refinance with PNC Bank?

Only vehicles that are 8 years old or less can qualify for an auto refinance.

What is the estimated funding time for an auto loan refinance with PNC Auto Refinancing?

Auto refinance loan applications are typically funded within 1 to 3 days of approval.

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  Available in 18 states and Washington, D.C.
  • Alabama
  • California
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Virginia
  • West Virginia
  • Wisconsin

Feature Breakdown

Credit Score Range 630 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted Individual Applications
Maximum Vehicle Age 8
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Proof of Insurance
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
APR (Fixed APR) 3.09% - 8.54%
Loan Term 12 - 72 months
Loan Amount $5,000 - $100,000

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