You can pay your PNC auto loan online, by mobile app, phone, in branch, or by mail; you can also view a payoff quote in online banking and may get a 0.25% rate discount if you set up automated payments from a PNC checking account at closing.
https://www.pnc.com/en/customer-service/make-a-payment/make-an-auto-loan-payment.html
Ways to Pay Your PNC Auto Loan
- Online Banking: Sign on to PNC Online Banking, select your auto loan, then click Make a Payment to set up one‑time or recurring payments from a PNC or external bank account.
- PNC Mobile App: In the app, tap your loan, then Make a Payment to send a one‑time, same‑day payment from a PNC deposit account.
- Automated Payments (Auto-Debit): Enroll in automatic monthly deductions from your checking or savings account by calling 1‑888‑762‑2265 or using PNC’s forms; payments then pull each month without you initiating them.
- Phone (Voice Banking): Call 1‑888‑PNC‑BANK (1‑888‑762‑2265) and follow prompts or speak with a representative to pay; have your routing and account numbers if using a non‑PNC bank.
- Branch: Pay in person at any PNC branch; processing can take up to about 2 business days to show on the loan.
- Mail:
How to Find Your Payoff Quote
You can get an up‑to‑date payoff amount directly in Online Banking:
- Sign on to PNC Online Banking.
- Select your auto loan account from your account list.
- In the Account Actions or account details area, choose View Loan Payoff Quote (or similar link).
- The system will display a dated payoff quote that includes the total amount needed to pay the loan in full through a specified date.
If you prefer, you can also call 1‑888‑762‑2265 and request a payoff quote from a representative.
0.25% Interest Rate Discount for Automated Payments
PNC advertises a 0.25% interest rate discount for eligible auto loans when you maintain automated payments from a PNC checking account.
Key points:
- The 0.25% discount is built into the APRs shown for many PNC auto products when you choose automated payments from a PNC checking account.
- Automated payment must be set up at loan closing from a PNC checking account to qualify for this 0.25% discount.
- If you later cancel or stop automated payments, you may lose the discount and your interest rate can increase by 0.25%.
- The discount is typically available on Check Ready, traditional, and refinance auto loans when the autopay condition is met.
To check if your existing loan is getting the discount:
- Review your loan documents or rate disclosure to see if a 0.25% “automated payment discount” is listed.
- Call PNC Auto Lending Customer Service and ask if your account has the autopay rate discount applied and what happens if you change your payment method.
If you have not yet closed your loan, you generally need to elect automated payments from a PNC checking account at closing to lock in the discount.
FAQs About PNC Auto Loan Payments and Autopay Discount
1. How do I pay my PNC auto loan online?
Sign in to PNC Online Banking, select your auto loan, then click Make a Payment to schedule a one‑time or recurring payment from a PNC or external bank account.
2. Can I use the PNC Mobile app to pay my auto loan?
Yes. Open the PNC Mobile app, tap your auto loan, and select Make a Payment to send a same‑day payment from an eligible PNC account.
3. How do I pay by phone?
Call 1‑888‑PNC‑BANK (1‑888‑762‑2265) and follow the voice prompts or speak to a representative; have your loan account number and bank routing/account numbers ready if paying from a non‑PNC account.
4. Where do I mail my PNC auto loan payment?
For regular mail, send your check or money order (with your PNC account number on it) to:
PNC Bank, PO Box 747066, Pittsburgh, PA 15274‑7066.
For overnight payments, use: c/o PNC Bank Lockbox 747066, 500 First Ave., Pittsburgh, PA 15219.
5. How can I see my current payoff quote online?
Log in to PNC Online Banking, choose your auto loan account, then select View Loan Payoff Quote (or similar option) in the account actions area to see the total needed to pay off the loan through a specific date.
6. Can I get a payoff quote by phone?
Yes. Call 1‑888‑762‑2265 and request a payoff quote from an auto lending representative; they will give you the payoff amount and the date through which it is valid.
7. How does the 0.25% autopay interest rate discount work?
PNC’s auto loan materials state that a 0.25% rate discount is available when you set up automated payments from a PNC checking account at loan closing; if autopay is later cancelled, the rate may increase by 0.25%.
8. How can I tell if my loan already has the 0.25% discount applied?
Check your loan documents or rate disclosure for language about an “automated payment discount,” or call PNC Auto Lending to ask whether the 0.25% discount is currently applied to your account.
9. Can I add autopay later and still get the 0.25% discount?
PNC indicates the discount is tied to autopay being set up at closing, so adding it later may not change your rate; you should confirm this directly with PNC for your specific loan.
10. How do I enroll in automated payments?
Call 1‑888‑762‑2265 or use PNC’s forms and Online Banking to authorize monthly deductions from your checking or savings account; you’ll provide routing and account numbers and choose the payment date based on your due date.
