Last Updated: 04/18/2025
Explore a similar product
Try this top product in Personal Loans
Avant Loans
Strongly recommended703 reviews
Community Recommended Products
View AllSponsored
Strongly recommended703 Reviews
Learn MoreSponsored
Strongly recommended326 Reviews
Learn MoreSponsored
Strongly recommended314 Reviews
Learn MoreGet Competing Personal Loan Offers
Compare personal loan offers from multiple vetted lenders.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
APR (Fixed APR)
Starting at 6.24%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
- 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 have loan terms as short as 6 months.
PNC personal loan Pros & Cons
| Pros | Cons |
|
|
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. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
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 |
| Application Types Accepted |
|
| 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
Other Services by PNC Bank
Business Lines of Credit
Be the first to rate
Business Loans
Be the first to rate
Commercial Mortgage
Be the first to rate
Auto Loans
2
3
5 Reviews
Personal Lines of Credit
Rating not yet determined (2 Reviews)
Private Student Loans
Rating not yet determined (4 Reviews)
Community Recommended Products
View AllSponsored
Strongly recommended703 Reviews
Learn MoreSponsored
Strongly recommended326 Reviews
Learn MoreSponsored
Strongly recommended314 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
PNC Bank Personal Loans Community Reviews
Would you recommend PNC Bank Personal Loans to your friends?
BY
Bettie Y.
Apr 27, 2022
May or may not recommend
PNC is a great bank system. Getting the loan is an easy 10 min phone call or meeting and there's no hassle. No credit check at all.
KF
Komal F.
Apr 8, 2022
May or may not recommend
If there’s a way to get a personal loan easily, PNC BANK personal loan service is surely one of them. They do not charge a single penny in terms of origination or prepayment fee. You just need to be 18 years or older to apply for it. Moreover, no minimum credit score has been provided by the bank. They allow the clients to pay back the loans within 60 months ...Show More
JY
Jessica Y.
Apr 6, 2022
May or may not recommend
I would recommend PNC loans. The prequalification process is easy and only does a soft pull so that it does not effect your credit right away. This gives you the options that you have to see what you can afford and work with if you are qualified. You do not have to accept with the prequal or you can choose to proceed with the application and get your money. Very ...Show More
NC
Nick C.
Jan 21, 2021
May or may not recommend
I've been a customer of PNC Bank for eight years now, and I've enjoyed their service the entire time. There are multiple branches close to me, so I don't have to go out of my way when I need to use a bank. The staff at every branch has been courteous, professional, and very helpful. I highly recommend this bank.
Showing 4 of 4 reviews
You might also like
Best Personal Loans
SuperMoney
What You Need to Know About Personal Loan Rates
Audrey Henderson
Point-of-Sale Financing: How to Finance Purchases Online
Eliana Carmona
