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PNC Auto Refinancing

in Auto Loan Refinancing from PNC Bank

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PNC Auto Refinancing

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in Auto Loan Refinancing from PNC Bank

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Highlights
Highlights
APR  (Fixed APR) Starting at 3.69%
Credit Score Range 630 - 850
Loan Term 1 - 72 months
Loan Amount $5,000 - $50,000

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).

How much can you borrow via PNC Auto Refinancing?

Auto refinance loan amounts start at $5,000 and go up to $50,000.

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 3.69% APR.

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

PNC Auto Refinancing offers auto refinancing with terms ranging from 1 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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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

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) Starting at 3.69%
Loan Term 1 - 72 months
Loan Amount $5K - $50K

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