| 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).
- 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.
- Prequalifed 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.
| Pros | Cons |
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What rates and terms does PNC Bank Personal Loans offer?
PNC Bank Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does PNC Bank Personal Loans offer?
PNC Bank Personal Loans offers a fixed APR personal loan product that starts at 6.24% APR. Interest rates vary by state.
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.
How much can you borrow via PNC Bank Personal Loans?
Loan amounts start at $1,000 and go up to $35,000
What can a personal loan from PNC Bank Personal Loans be used for?
Personal loans from PNC Bank Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.
What is the maximum loan term you can get with PNC Bank Personal Loans?
PNC Bank Personal Loans offers personal loans with terms ranging from 6 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
| Loan Amount | $1000 - $35000 |
| Loan Term | 6 - 60 months |
| APR | Starting at 6.24% |
What fees does PNC Bank Personal Loans charge?
Does PNC Bank Personal Loans charge an origination fee?
PNC Bank Personal Loans does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does PNC Bank Personal Loans charge a late fee?
Yes, PNC Bank Personal Loans may charge borrowers a late payment fee of up to $40.
Does PNC Bank Personal Loans charge prepayment fees?
No, PNC Bank Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
| 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Contact
- Headquarters
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One PNC Plaza 249 Fifth Ave
Pittsburgh, PA 1522
Other Services by PNC Bank
Availability
- 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 |
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