Last Updated: 04/18/2025
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Highlights
Fixed APR
4.49% - 12.24%
Variable APR
5.64% - 13.39%
Amount Range
$1,000 - $200,000
PNC Bank Student Loans Review
PNC Bank Student Loans is offered by PNC Bank, a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank Student Loans are available in 50 states and Washington, DC.
PNC Bank Student Loans FAQ
What rates does PNC Bank Student Loans offer for in-school private student loan?
PNC Bank Student Loans has a variable APR that ranges from 5.64% up to 13.39% .
It offers a fixed APR that ranges from 4.49% up to 12.24% .
Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.
How much can you borrow from PNC Bank Student Loans?
Available loan amounts may vary by applicant but PNC Bank Student Loans has a minimum loan amount of $1K and offers loans up to $200K.
Does PNC Bank Student Loans charge an origination fee?
No, PNC Bank Student 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 Student Loans charge prepayment fees?
No, PNC Bank Student 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.
What terms does PNC Bank Student Loans offer?
PNC Bank Student Loans provides repayment terms ranging from 5 to 15 years.
What type of borrowers will PNC Bank Student Loans consider?
PNC Bank Student Loans considers loans applications from:
What do you need to qualify for PNC Bank Student Loans?
Applicants with a credit score of at least 600 and up to 850 may be eligible for PNC Bank Student Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. PNC Bank Student Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by PNC Bank Student Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
- Proof of residence
Is PNC Bank a legit company?
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.
Message from our editor
What Do We Love About the PNC Students Loans?
PNC offers different types of customizable student loans for the bar exam, healthcare profession, undergraduate programs, and other professional exams. It serves as a viable credit solution to avail private loans when there is no coverage in the form of scholarships, grants, or federal loans.
If you opt for automated payment registration, you can count on PNC on interest rate discounts. PNC also offers flexible and convenient repayment options. In the event of death, PNC also offers forgiveness and charges no application or origination fees.
Although PNC doesn’t provide service for its loans, can’t help but praise its customer service. From loan servicing, flexible rates, terms, repayment assistance, loan forgiveness, scholarship sweepstakes, and useful resources, PNC offers a wide array of features with student loans.
What Could the PNC Student Loans do better?
The grace period of six months might not be enough to make the repayments. Furthermore, the application window for graduate and undergraduate programs is significantly shorter. In comparison, the application window for a residency loan is more than a year. It would also make sense to extend the application window for bar exams from six months to a year.
Also, the application process of PNC is quite complicated and needs more simplification. Since the eligibility requirements depend on the type of loan you want, the key parameters that can impact the qualification should be more clear to the individuals.
The Backstory of PNC
PNC has roots in corporate financial services in Pittsburgh, Pennsylvania. In late 2016, PNC had around $366 billion worth of assets. The company is diverse in its services and serves personal, business, and corporate clients. In a span of few years, PNC has managed to expand its services from conventional borrowing and banking to modern wealth management and investment offerings.
The Verdict
PNC is a practical solution for individuals who don’t have scholarships, grants, or federal loan coverage. It offers loans to different graduate and undergrad programs that can help students move forward in their academic and professional careers.
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
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PNC Bank Student Loans Community Reviews
Would you recommend PNC Bank Student Loans to your friends?
AG
Allyson G.
Mar 5, 2021
May or may not recommend
PNC Bank offers student loans, generally to students who have (or whose cosigners have) a good credit profile. They seem to be more selective than other lenders with their approval but therefore can offer lower interest rates sometimes.
RM
Roger M.
Oct 8, 2020
May or may not recommend
A prospective user of PNC's Student Loan service may pause, as the range of possible interest rate charges --- 4-11% --- seems inordinately wide. Otherwise the site addresses items of interest in simple, plain and readily understandable English. In particular it identifies the dollar range of a loan --- up to $100 thousand --- which is doubtless an important datum for any family or student initiating this association ...Show More
AP
Aaron P.
Oct 28, 2018
May or may not recommend
I have 2 student loans from 2008 total borrowed from PNC was $20000. I have been paying regular monthly payments over $200 a month for 8 years and still owe more than I borrowed. When I try to talk to them their attitude is oh well there is nothing we can do. And the variable rate just keeps going up. They are terrible. And would never reccomend a private student ...Show More
U
Anonymous
Aug 3, 2015
May or may not recommend
PNC Bank offers undergraduate and graduate student loans, but not parent loans and no refinancing. There are no origination fees. APRs can be either fixed or variable and range from great to fairly high depending on your credit. There is also no protection for borrowers who lose their jobs.
Showing 4 of 4 reviews
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