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PNC Auto Refinance Review – Introduction

If you’re looking for auto refinance options from an established, reputed firm, then PNC Auto Refinance should be on the top of your list. The Pittsburgh National Corporation (PNC) is headquartered in Pittsburgh, Pennsylvania and is one of the largest banks in the country – trusted by millions of auto loan borrowers.

PNC Auto Refinance offers quick, reliable refinancing options for borrowers with a decent-to-good credit score. (above 630) It is a great option if you’ve already made up your mind to auto refinance and are not looking to shop around for other offers.

The Refinance team has done an in-depth PNC auto refinance review , including the eligibility criteria, key features, and drawbacks. Once you’re done with this review, you can make an informed decision about refinancing.

Pros and Cons of PNC Auto Refinance: A Snapshot

PNC Auto Refinance helps borrowers reduce their monthly payments or interest rates by refinancing their existing auto loans. The new APRs depend on a variety of factors – including credit score, payment history, loan term left, loan payoff amount remaining, etc.

Borrowers who prefer PNC usually do so because of their fixed APRs, quick processing, high refinance loan amounts, and lack of any additional fees or charges. However, a drawback is that people with poor credit cannot apply – you need a minimum of 630 for accessing PNC auto refinance.

Here’s a snapshot of the pros and cons:

Benefits Drawbacks
Low minimum loan amount of $5000 No pre-approval process – hard credit inquiry is mandatory on application to PNC auto refinance
APRs between 2.89% - 9.74%, with preferential APRs for PNC account holders Need a minimum PNC auto refinance credit score of 630
No origination or prepayment fees Vehicle age should be below 8 years
Loan terms as long as 72 months Present only in 18 states
Will refinance loan amounts as high as $100,000 Has a vehicle age limit of 8 years and a mileage limit of 80,000 miles
APR discounts on choosing auto payment option The onus is on the borrower to change the vehicle title to reflect PNC as the lienholder.
Also refinances lease buyouts  
Does not report to credit bureaus  

*As of January 2022

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PNC Auto refinance rates are a good bet for customers who:

Unique features of PNC Auto Refinance

Let’s take a detailed look at the fine print in the PNC Auto refinance process.

PNC Auto refinance requirements

Before applying for PNC auto refinance, check the table below to see if you meet all the requirements.

Criteria Description
Minimum Age 18 and above
PNC auto refinance Credit Score Range 630-850
Minimum Annual Income Not disclosed
APR range 2.89%-9.74%
Loan Payoff amount $5000 - $100,000
Immigration Status

U.S. Citizen

U.S. Permanent Resident
Military Status



Active-Duty Military

Military Dependent


Documents Required for verification




Recent pay stubs

Income proof

Driver's license

A valid PNC checking account (if choosing auto payment option)

Proof of citizenship or residence permit

*As of January 2022

See what you could save on auto refinance

How to apply for PNC auto refinance: Steps to follow

Step1: Use the Auto Refinance Calculator

The Auto Refinance Calculator is a handy tool for borrowers to decide what kind of offer fits with their budget. Simply input your current loan details and required APR to see what kind of monthly payments you will be paying. Depending on that, you can shortlist a set of offers you’d like to take up.

Ensure you meet the general requirements like:

Step 2: Apply and complete your details

You can apply for refinance online, through phone, or at a PNC branch. Remember that there is no PNC auto refinance pre-approval process – there will be a hard credit inquiry on application.

It generally takes less than two working days to process your application. Once processed and accepted, you can choose a funding date within the next 30 days.

Step 3: Finalize the refinance loan

Once approved, you can either close the agreement at a PNC branch or have the documents sent to your home for signing. After you sign the documents and send in any supporting documents, your loan transfer will be set up within 1-3 working days. You will be responsible for changing the vehicle title to reflect PNC as the lien holder.

PNC Auto Refinance Review: The Summary

If you’re not one to shop around too much for refinance and prefer a quick process, PNC is a good bet. Plus, being a PNC account holder helps get access to discounted PNC auto refinance rates. There’s no reason you can’t go with an established name in auto refinance! However, folks with poor credit who don’t want a hard inquiry to affect their score can use other online lenders to compare multiple offers.

Auto Refinance Data Methodology

The auto refinance rates published here are based on the results of comparative research done by’s data team. We've used a mix of public and internal data to analyze refinance rates across thousands of lenders, credit scores, vehicle types, and all U.S. ZIP codes

The rates shown here are based on a national average of our findings, and may typically vary for each individual depending on your personal financial position and the US state you are in.

However, you can quickly determine where you stand by going through our Auto Refinance form. In just a few steps, find out how much you can save with!

PNC Auto Refinance: Frequently Asked Questions

How to contact: PNC Auto Refinance phone number

PNC auto refinance has a great customer support team that is always ready to answer any queries you may have. You can reach them at 1-888-762-2265.

Does PNC Auto refinance cover lease cars?

Yes, PNC Auto refinance covers new car refinancing, leased car refinancing, and lease buyouts.

Does PNC auto refinance have a fixed or variable APR?

PNC offers a fixed APR for car refinancing starting from 2.89%-9.74%.

Does PNC charge an origination fee?

No, PNC does not charge origination fees for processing your refinance application. It also does not have prepayment penalties if you pay your loan off before the due date.

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