PNC Bank

PNC Bank

in Student Loan Refinancing from PNC Bank


PNC Bank


in Student Loan Refinancing from PNC Bank

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Fixed APR 5.39% - 7.59%
Variable APR 4.89% - 7.18%
Loan Amount $35,000 - $75,000
Loan Term (Years) 10 - 15


Where does PNC Bank do business?

PNC Bank is a bank based in Pittsburgh, PA. It was founded in 1845 and offers student loan refinancing in 50 states (and Washington, DC).

What APRs does PNC Bank offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

PNC Bank offers variable rate APRs that range from 4.89% to 7.18%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 5.39% to 7.59% APR.

How much can you borrow via PNC Bank?

Loan amounts start at $35,000 and go up to $75,000

Does PNC Bank charge an origination fee?

No, PNC Bank 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 charge prepayment fees?

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

What terms does PNC Bank offer?

PNC Bank provides refinancing loans of 10 to 15 years.

What type of borrowers will PNC Bank consider?

PNC Bank considers loans applications from:

  • undergraduate students
  • graduate students
  • parents of students

What do you need to qualify for a PNC Bank student loan refinance?

Applicants with a credit score of at least 500 can apply for a loan via PNC Bank.

Note that borrowers can add a cosigner to the loan to either meet eligibility requirements or qualify for lower interest rates.

Only U.S. citizens and permanent residents can apply for a loan. 

To qualify, applicants must provide the following documentation:

  • Proof of citizenship or residence permit
  • Proof of income
  • Loan payoff statements

What is the estimated funding time for a student loan refinance via PNC Bank?

PNC Bank will typically fund loans within 7 and 14 days of approval.

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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 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 $5
Cosigner Optional  
Credit Score Range 500 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Verification Documents Required
  • Loan Payoff Statements
  • Proof of Income
  • Proof of Residence
  • U.S. Tax Identification Number
  • Proof of citizenship/residence (Green Card)
Variable APR 4.89% - 7.18%
Loan Amount $35K - $75K
Loan Term (Years) 10 - 15
Fixed APR 5.39% - 7.59%

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