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  PNC Bank Personal Line of Credit

PNC Bank Personal Line of Credit

in Personal Lines of Credit from PNC Bank

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PNC Bank Personal Line of Credit

Unaffiliated

in Personal Lines of Credit from PNC Bank

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Highlights
Highlights
APR  (Variable APR) 10.5% - 11%
Loan Amount $1,000 - $25,000

PNC Bank Personal Line of Credit Review

PNC Bank Personal Line of Credit is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank Personal Line of Credit is available in 19 states (and Washington, DC).

What APRs does PNC Bank Personal Line of Credit offer?

PNC Bank Personal Line of Credit offers a variable APR product that ranges from 10.5% APR up to 11% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does PNC Bank Personal Line of Credit charge an origination fee?

Yes, PNC Bank Personal Line of Credit charges a line of credit origination fee.

Does PNC Bank Personal Line of Credit charge a cash advance fee?

Yes, PNC Bank Personal Line of Credit may charge a fee.

Does PNC Bank Personal Line of Credit charge a late fee?

Yes, PNC Bank Personal Line of Credit may charge borrowers a late payment fee.

How much can you borrow via PNC Bank Personal Line of Credit?

Upon approval and based on your credit worthiness, your PNC Bank Personal Line of Credit personal line of credit will be assigned a credit line of at least $1,000 and as much as $25,000. .

PNC Bank Personal Line of Credit Fees
Cash Advance Fee N/A
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for PNC Bank Personal Line of Credit?

Applicants with a credit score of at least 680 and up to 850 are eligible for PNC Bank Personal Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

PNC Bank Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. PNC Bank Personal Line of Credit only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via PNC Bank Personal Line of Credit. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by PNC Bank Personal Line of Credit. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does PNC Bank Personal Line of Credit report your account activity to credit bureaus?

PNC Bank Personal Line of Credit reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for PNC Bank Personal Line of Credit

  • Visit the PNC Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 19 states and Washington, D.C.
  • Alabama
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Virginia
  • West Virginia
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Annual Fee $50
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Social Security Number
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Minimum Draw $50
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Payment Options
  • Bank Transfer
  • Check by mail
  • Storefront
APR (Variable APR) 10.5% - 11%
Loan Amount $1K - $25K

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