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  PNC Bank Student Loan Refinance

PNC Bank Student Loan Refinance

in Student Loan Refinancing from PNC Bank

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PNC Bank Student Loan Refinance

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in Student Loan Refinancing from PNC Bank

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Highlights
Highlights
Fixed APR 5.39% - 7.59%
Loan Amount $35,000 - $75,000
Variable APR 4.89% - 7.18%
Loan Term 10 - 15 years

PNC Bank Student Loan Refinance Review

PNC Bank Student Loan Refinance is a student loan refinance offering by PNC Bank, . Founded in 1845, PNC Bank offers student loan refinancing in 50 states (and Washington, DC).

What APRs does PNC Bank Student Loan Refinance 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 Student Loan Refinance 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 Student Loan Refinance?

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

Does PNC Bank Student Loan Refinance charge an origination fee?

No, PNC Bank Student Loan Refinance 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 Student Loan Refinance charge prepayment fees?

No, PNC Bank Student Loan Refinance 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 Student Loan Refinance offer?

PNC Bank Student Loan Refinance provides refinancing loans of 10 to 15 years.

What type of borrowers will PNC Bank Student Loan Refinance consider?

PNC Bank Student Loan Refinance considers loans applications from:

  • undergraduate students
  • graduate students
  • parents of students

What do you need to qualify for PNC Bank Student Loan Refinance?

Applicants with a credit score of at least 500 and up to 850 are eligible for PNC Bank Student Loan Refinance.

To qualify for student loan refinancing with PNC Bank Student Loan Refinance, applicants need a minimum annual income of $18 or higher. PNC Bank Student Loan Refinance only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner 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 Student Loan Refinance. Their rates fall within the limits of The Military Lending Act.

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

To qualify, applicants may need to provide the following documentation:

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

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

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

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Availability

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 10 - 15 years
Fixed APR 5.39% - 7.59%

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