Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 6.24%(Verified 06/21/2024)
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Amount Range
$1,000 - $35,000
Loan Term (Months)
6 - 60
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 personal loan are 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 9% 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 FICO or VantageScore.
- No origination fee. PNC Bank Personal Loans does not charge a loan origination fee.
- Short loan terms. PNC Bank Personal Loans have loan terms as short as 6 months.
PNC personal loan Pros & Cons
| Pros | Cons |
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PNC personal loan FAQ
What interest rates and personal loan terms does PNC personal loan offer?
PNC personal loan has lower than average interest rates 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?
Business loan amounts start at $1,000 and go up to $35,000.
What is the maximum loan term you can get with PNC personal loan?
PNC personal loan offers loans with terms of up to 60 months.
| 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.
| Origination Fee | No |
| 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.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by PNC Bank Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does PNC Bank perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. PNC personal loan allows you to check your rates with a soft credit pull.
Are PNC Bank Personal Loans legit?
PNC Bank was founded in 1845, it is a well-established company that has been in business for 181 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 9:00PM
Tuesday
8:00AM - 9:00PM
Wednesday
8:00AM - 9:00PM
Thursday
8:00AM - 9:00PM
Friday
8:00AM - 9:00PM
Saturday
8:00AM - 5:00PM