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  PNC Bank Personal Loans

PNC Bank Personal Loans

in Personal Loans from PNC Bank

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PNC Bank Personal Loans

Unaffiliated

in Personal Loans from PNC Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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APR  (Fixed APR) Starting at 6.24%
Loan Amount $1,000 - $35,000
Loan Term (Months) 6 - 60 months

PNC Bank Personal Loans Review

PNC Bank Personal Loans is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank Personal Loans is available in 50 states (and Washington, DC).

Key Takeaways
  • APRs starting at 6.24%. Interest rates vary by state. Personal loan interest rates typically range between 5% and 36%. The starting rates for PNC Bank Personal Loans are on the lower end of the spectrum.
  • Prequalified rate. You can check your prequalified rate at PNC Bank with a soft pull that will not affect your credit score.
  • No origination fee. PNC Bank Personal Loans does not charge a loan origination fee.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for PNC Bank Personal Loans.
  • Short loan terms. PNC Bank Personal Loans offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 months.
PNC personal loan Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • $0 origination fee.
  • Accepts cosigners and coborrowers.
  • PNC Bank Personal Loans does not report to credit bureaus.
  • Charges a late fee of $40
PNC personal loan FAQ

What interest rates and personal loan terms does PNC personal loan offer?

PNC personal loan has lower interest rates than the average for lenders reviewed on SuperMoney.

What interest rates does PNC personal loan offer?

PNC personal loan offers a fixed APR personal loan product that starts at 6.24% APR. Interest rates vary by state.

How much can you borrow via PNC personal loan?

Loan amounts start at $1,000 and go up to $35,000

What is the maximum personal loan term you can get with PNC personal loan?

PNC personal loan offers loans with terms ranging from 6 to 60 months.

PNC personal loan Interest Rates & Loan Terms
Personal Loan Amount $1000 - $35000
Loan Term 6 - 60 months
APR Starting at 6.24%

What fees does PNC personal loan charge?

Does PNC personal loan charge an origination fee?

PNC personal loan does not charge a personal loan origination fee.

A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does PNC personal loan charge a late fee?

Yes, PNC personal loan may charge borrowers a late payment fee if you miss one of the monthly payments of up to $40.

Does PNC personal loan charge prepayment fees?

No, PNC personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

PNC personal loan Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee $40

What do you need to qualify for PNC Bank Personal Loans?

PNC Bank Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

PNC Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. PNC Bank Personal Loans only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

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 Loans. 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 Loans. 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
  • Proof of identity
  • Proof of citizenship or residence permit
  • U.S. tax identification number
PNC personal loan Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Co-borrowers
  • Cosigners
  • Individual Applications
  • Credit Score N/A
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    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Availability

      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Origination Fee
    No Prepayment Fee
    Late Fee Amount $40
    Cosigner Optional
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Cosigner
    • Individual Applications
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Verification Documents Required
    • Proof of Identity
    • Proof of Income
    • Social Security Number
    • U.S. Tax Identification Number
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Loan Amount $1,000 - $35,000
    APR (Fixed APR) Starting at 6.24%
    Loan Term 6 - 60 months

    PNC Bank Personal Loans Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

    +100

    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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