PNC features

Here's a breakdown of some of the benefits and drawbacks of PNC personal loans.


  • Minimal fees
  • Perks for PNC Bank customers
  • Co-borrowers allowed


  • Products vary by location
  • May have to visit a branch to receive funds

You may not expect a traditional brick-and-mortar bank to offer competitive personal loans with low rates and fees, but PNC Bank is doing just that. With more than 2,600 branches nationwide, PNC provides unsecured personal installment loans with fixed rates that vary by location. While borrowers don’t need an existing relationship with PNC to get a loan, those with a PNC checking account who opt for automatic loan payments receive a discount on their interest rate.

The details on this page reflect offerings for the 10019 ZIP code.

Get pre-qualified

Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it will not impact your credit score.

PNC Bank snapshot

Loan amount $1,000 to $35,000
APR as low as 6.49%(with autopay)*
Minimum credit score Not specified
Time to receive funds Not specified

*Rates and terms vary by state.

Pros and cons of PNC Bank personal loans

Here’s a list of some of PNC Bank’s benefits and drawbacks.


  • Minimal fees: Borrowers aren’t assessed application or origination fees on PNC personal loans. Additionally, unlike some lenders, PNC Bank gives you the freedom to pay off your loan early without a fee.
  • Perks for PNC Bank customers: If you already have a PNC checking account, you can earn a 0.25 percent discount on your loan APR by setting up automatic payments.
  • Co-borrowers allowed: Unlike some traditional banks, PNC permits co-applicants on personal installment loans.


  • Products vary by location: Your location determines which APRs and repayment terms you’re eligible for. For some ZIP codes, this information is hard to come by on the PNC website.
  • May have to visit a branch to receive funds: Depending on your location, you may need to visit a branch in order to sign your loan documents, an inconvenience that many online-only lenders have eliminated.

Lending terms

PNC offers unsecured personal loans that range from $1,000 to $35,000 and repayment terms of six to 60 months in some states. The bank’s fixed rates start at 6.49 percent in some ZIP codes, but the rates available to you depend on your creditworthiness, loan amount and location.

PNC doesn’t disclose a minimum credit score to qualify for a loan, nor the amount of time it will take to fund your loan.

Fees and penalties

PNC keeps fees to a minimum. It has no origination fee and no prepayment penalty for its unsecured loans. But those who don’t have a checking account at PNC or decide not to enroll in automatic payments pay 0.25 percent more in interest. Late fees vary by location.

How to apply for a loan with PNC Bank

You can apply for an unsecured personal loan from PNC through its website, by phone or in person at a branch. The fastest way to start the process is by using the online application.

In order to apply online, you’ll need to provide:

  • Your full name, Social Security number and date of birth.
  • Your driver’s license, state-issued photo ID or U.S. passport.
  • Your current address (and previous address if you’ve lived at your current address for fewer than two years).
  • Your annual income (and any additional income you’d like PNC to consider).
  • The amount you’d like to borrow.

If you’re already an account holder, PNC will pre-fill the application for you. Those applying with a co-applicant will need to provide their co-applicant’s information as well.

There’s limited information available online about the approval process. However, borrowers in some states may need to visit a branch to sign loan closing documents before receiving funding.

If you have questions about your loan options, customer care consultants are available at 888-762-2265 from 7 a.m. to 10 p.m. ET Monday through Friday and 8 a.m. to 5 p.m. ET Saturday and Sunday.

PNC also offers a mobile app for iOS and Android devices so you can manage your account while on the go.

Get pre-qualified

Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it will not impact your credit score.

How Bankrate rates PNC Bank

Overall Score 4.5
Availability 4.2 PNC does not disclose many of its eligibility requirements or its funding timeline, though it has a good range of loan amounts.
Affordability 4.8 While it’s possible that you could be charged a late fee, otherwise PNC is fee-free and offers low interest rates.
Customer Experience 4.4 PNC has good customer support options. However, borrowers may have to visit a branch to close their loan.

Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.