Buying from a Private Party

Auto Loans 

Used car loans for private party purchases make it easy to get the financing you need for the car you want[1].

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Call 1-888-370-7344, or


Rates By Zip Code


Key Features

Get Your Loan Check Fast

You can pick it up at a PNC Bank Branch, or have it sent overnight to your home[2].

Apply Online

Apply for an auto loan[1]
online, by phone or at a branch.

Get 0.25% Off Your Rate

Interest rate discount comes with maintaining automatic payment via a new or existing PNC Checking account.[3]

How Used Car Loans for Private Party Purchases Work

Step 1 — Research

Research how much car you can afford by reviewing rates and estimating a monthly payment. Use the NADA guides to look up the value of new and used cars.

Step 2 — Apply

Apply for a private party auto loan[1] online, by phone or at a branch.

Step 3 — Buy a Car

Close at a PNC branch and receive your check that same day. Or, have the documents sent overnight to your home; then once you return your signed documents, receive your check overnight[2].

View Important Disclosures »

Tools & Calculators

Looking for how much car you can afford? Comparing the costs of a new vs. used vehicle? Use our auto loan calculators to understand your options and help you decide.

How to Apply for a Auto Loan

Find out what's involved in the car buying process — from the ways you can apply, to a list of everything you'll need for your application.

Important Legal Disclosures and Information

  1. Credit is subject to approval.

  2. Certain restrictions and conditions apply. May exclude weekends and holidays.

  3. The rates we advertise include the 0.25% automatic payment discount. Discount only applicable as long as payments are set up for automatic deduction from a PNC Checking account. The removal of any discount, such as auto deduction or employee, will increase the rate.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC