Your actual APR may be higher than the advertised rate range and will be based on your credit qualifications, loan amount, repayment term, model year, whether you elect the automatic payment feature from a PNC checking account and number of days to first payment. See "Get Rates" for more details about current rates. Step 1 - Find Your Car. Search new or used cars, see what others paid for the same car in your area, and explore how much you may save with PNC Total Auto ® **.. Step 2 - Apply. Apply for your Check Ready auto loan online, by phone or at a branch.. Step 3 - Get a Decision Fast You can pay: Online: Log in to your PNC Online Banking account and make your payment. By Mail: Send your payment to the following address: PNC Bank, P.O. Box 747066, Pittsburgh, PA 15274-7066. By Phone: Note that there is a $10 fee to pay your auto loan by phone. The number to call is