Bank · FDIC insured
PNC Auto Loan Rates
PNC auto loans start at 5.34% APR for a new vehicle and 5.34% for a used one. Rates checked October 22, 2026.
How PNC’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where PNC has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
PNC
5.34%APR
- Terms
- —
- Up to
- 20.69% APR
- Discount
- Included in the rate
Auto Purchase
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
PNC auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.34%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PNC ranks
By auto loan score, in each area where it has branches
- #62 of 99New York-Newark-Jersey City, NY-NJ metro125
- #42 of 75Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro119
- #55 of 80Chicago-Naperville-Elgin, IL-IN metro115
- #49 of 76Dallas-Fort Worth-Arlington, TX metro98
- #57 of 76Washington-Arlington-Alexandria, DC-VA-MD-WV metro96
- #39 of 72Pittsburgh, PA metro85
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Purchase
Auto loans secured by 2018-2027 model year non-commercial vehicle with up to 80,000 miles (or up to 100,000 miles based on credit qualifications). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.34%–20.69% | Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications). |
Auto Refinance
Auto refinance loans secured by 2018-2027 model year non-commercial vehicle with up to 80,000 miles (or up to 100,000 miles based on credit qualifications). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.69%–23.79% | Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications). |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.