PNC offers personalized loan rates based off of your car choice and zip code. All you have to do is enter your zip code and then PNC will generate a personalized APR options table where you can pick your loan term and the model year of your car. The newer the car, the cheaper your rate. You can apply easily online for any loans under $50,000 or over the phone for larger loans. They also allow you to process your loan entirely and then arrive at the dealership with your check in your hand.
Their company values and easy customer service availability (you can call, instant message, tweet, or email) ensure that your loan is with a bank that is trying to give you the best. Additionally, PNC openly states that if you ever struggle making your payments, its best to contact them and they will help provide a solution.
PNC Auto Loans has a few limitations. First, they only serve the eastern half of the United States when it comes to auto loans. So, if you’re west of the Mississippi river, you’re out of luck for a car loan with PNC. Secondly, your zip code will actually affect your APR rating. PNC will not give an APR estimate without your zip code, so depending on your neighborhood you might be paying more each month.