While PNC Bank's personal loan rates vary across locations, it generally offers loans up to $35,000 with fixed interest rates, no origination fees and no prepayment penalty. Consumers who have an account with PNC Bank enjoy additional perks, such as faster funding and autopayment discounts.

At a Glance: PNC Bank Personal Loans

  • PNC

    • 5.99% to 28.74%APR Range
    • NoneMinimum Credit Score
    • $1,000 to $35,000Loan Amount Range
    • 6 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


MoneyGeek Breakdown - PNC Bank Personal Loan Details and Requirements


PNC Bank personal loan APR can be as low as 5.99% and can be as high as 28.74%

Credit Score Requirements

Borrowers need no minimum credit score to qualify.

Income Requirements

To be eligible for a PNC Bank loan, you must have verifiable income.

Loan Amounts

PNC Bank lets you borrow $1,000–$35,000.

Loan Terms

The repayment term range is 6–60 months.

Permitted Uses

Can be used for almost any purpose, such as debt consolidation, home renovation or vacation.

Prohibited Uses

Loan proceeds cannot be used to pay post-secondary educational expenses or to refinance student loan debt.

Time to Receive Funds

If you are a current customer of PNC Bank, you can receive your funds as early as the day the loan is approved. Those who don’t have a PNC account may experience a longer wait.

Origination Fees

PNC Bank does not charge an origination fee.

Late Fees

This lender charges a late fee of around $40, but the exact rate or amount varies per location.

Prepayment Penalty Fees

No prepayment penalty is charged for early payments.

Co-signers and Co-applicants

PNC Bank does not allow cosigners but accepts a co-borrower to your application.


PNC Bank offers a 0.25% autopayment rate discount for existing customers.

Mobile Application

You can manage your loan details with PNC Bank’s mobile application.

Is PNC Bank Right for You?

Different lenders have different rates and conditions for personal loans. That said, it’s critical to assess each lender to determine whether they're a good match for you and meet your requirements. MoneyGeek's PNC Bank personal loan review provides you with further details.

Who PNC Bank Is Perfect For

PNC Bank personal loan is perfect for individuals who have a fair credit score and need to borrow a moderate amount to fund almost any type of expense or require a small loan for an emergency situation. PNC Bank does not charge an application or origination fees to borrowers applying for a personal loan. Furthermore, unlike some lenders, PNC Bank allows you to pay off your loan early without incurring a cost.

It's also a good option if you already have a PNC Bank account because setting up automatic payments will save you 0.25% on your loan’s APR. PNC Bank also allows co-applicants on personal installment loans, which is uncommon among traditional banks.

Who Should Not Choose PNC Bank

Because PNC Bank personal loans only go up to $35,000, borrowers needing a higher maximum loan limit may find this amount insufficient. This lender also charges a late fee as well that can go as high as $40, which is quite expensive compared to other personal loan lending services.

It is important to keep in mind that rates vary by location. This includes the maximum loan amount, APR, late fees and more. Additionally, the availability of pre-qualification is dependent on where you are located. This makes it harder to find information about the bank’s personal loan offerings that fit your needs and match your profile.

How to Apply for a PNC Bank Personal Loan

We've outlined the key stages to ensure you don't get lost in the process of applying for a personal loan with PNC Bank. You'll need to fill out an application form, sign agreements, get funding and check if you qualify.



You can determine if you are prequalified by going to their help website and entering your information. While PNC Bank does not disclose its exact requirements, you will need to meet the following: have a U.S. residential street address, be at least 18 years old, have a valid email address and Social Security number, and fulfill their minimal credit and gross income standards, among other things. If you already have an account on PNC, the bank will pre-fill the application for you.


Fill Out Application Form

You may fill out a personal loan application form on PNC Bank's website. You must supply personal information, your financial situation and your plan for the loan proceeds, among other things.


Wait for Approval

It will usually take a few minutes of waiting after submitting your form before getting a response. However, it may take longer for some depending on various circumstances.


Review Loan Agreement

Take a deeper look at the loan contract and study the fine print once it's been authorized. Consider taking your time to look over all minor but crucial aspects. You must agree to the borrower platform agreement, electronic communications policy, privacy policy, credit report and information verification consent and other legal documents.


Sign Loan Agreement

You must read and sign the truth-in-lending disclosure before PNC Bank can accept your loan. After that, you're ready to sign the loan contract.


Receive or Direct Funds

Receiving funds can be as fast as two days of approval up to 10 days.


Make Payments

You can make your payment through online banking or over the phone. If you’re an account holder, you can also set up autopayment to withdraw the payment from your account.

What to Do if You Are Rejected From PNC Bank

Don't panic if your personal loan application gets turned down. There are plenty of alternative lenders from which you can choose. Your application can get rejected because you don’t fulfill specific standards or qualifications. Low credit scores, missing documentation, insufficient income, a lack of credit history and other factors might lead lenders to reject applications.

The best course of action is first to ask your lender why your application was denied. You may be able to make an adjustment to your application, such as a lower loan amount or different payment terms, to make it more acceptable to the lender. If not, you might be able to improve any unsatisfactory factors over time if you work on them. Then, you can try to apply for a personal loan with a different lender.

Frequently Asked Questions About PNC Personal Loans

We answered some frequently asked questions in our PNC Bank personal loan review to assist customers on their personal loan journey. While this company has its advantages and disadvantages, you should consider if it is the ideal lender for you based on your needs and financial obligations.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.