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PNC Bank personal loans review

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This regional bank offers competitive rates but limits the amount you can borrow.’s rating: 3.7 / 5.0


  • Best for current customers with very good credit looking for low starting rates.
  • Pick something else if you need to borrow more than $35,000.


Max. Loan Amount

Starting from 7.49%



Product NamePNC Bank personal loans
Min. Loan Amount$1,000
Max. Loan Amount$35,000
APRStarting from 7.49%
Interest Rate TypeFixed
Loan Term6 months to 5 years

Expert review

Anna Serio

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

PNC Bank’s personal loans might be a good option if you’re a current customer with very good credit. It offers competitive rates starting as low as 7.49%, which includes a 0.25% rate discount for signing up for automatic payments from your PNC Bank checking account. Even better, it doesn’t charge any origination or application fees. And you can borrow as little as $1,000 — lower than what some lenders offer.

But you’ll need to live in one of the 19 states it services to qualify. You also can’t borrow more than $35,000 — not ideal for high-dollar expenses or projects.

Not sold on PNC? Use our table to compare even more options.

How much will this loan cost me?

The APR for a personal loan from PNC ranges from 7.49% to 17.49% — relatively competitive for a bank, but not the lowest out there. You can borrow anywhere from $1,000 to $35,000. And unlike many other lenders, terms can be as short as 6 months.

You can use the calculator below to estimate your monthly payment with PNC.

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How it works

To get the lowest rate, you should be able to show a solid ability to repay your loan and have excellent credit. PNC also recommends that you opt for a three-year term. Signing up for autopay will also help since PNC offers a 0.25% rate reduction for borrowers that have payments taken directly from a PNC checking account.

What do I need to qualify?

To apply for a PNC Bank personal loan, you must meet a few basic requirements:

  • Reside in an eligible state
  • US citizen or permanent resident
  • At least 18 years old

There are no hard income or credit requirements, though you typically need to have a credit score above 700 to qualify. If you don’t have strong credit, you might want to apply with a creditworthy coapplicant to strengthen your application.

In which states are PNC Bank personal loans available?

You must live in one of the following states to be eligible for a PNC Bank personal loan:

  • Alabama
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Missouri
  • New Jersey
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Virginia
  • Wisconsin
  • West Virginia
  • Washington, DC

What information do I need to apply?

In order to fill out PNC Bank’s personal loan application, make sure you have the following information on hand:

  • Social Security number
  • Date of birth
  • Government-issued photo ID
  • Annual income
  • Monthly housing payment


  • Autopay discount of 0.25%
  • No origination or application fees
  • Coapplicants accepted
  • Wide range of loan terms


  • Low maximum loan amount of $35,000
  • Only available in 19 states and Washington, DC
  • Mostly negative customer reviews

PNC Bank lines of credit

PNC Bank lines of credit are similar to its unsecured personal loans. They’re available from $1,000 to $25,000 and don’t require collateral. PNC lines of credit are also revolving, which means your access to funds doesn’t have an expiration date. There is a minimum draw of $50, and interest is based on the prime rate — so expect it to fluctuate from month-to-month.

See other personal loan options

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible personal loans
4.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Monevo personal loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fiona personal loans
4.99% to 35.99%
Get loan offers from multiple lenders at once without affecting your credit score.
LendingTree personal loans
Starting from 2.49%
Good to excellent credit
Receive up to five loan offers in just minutes through LendingTree's simple online form.
SoFi personal loans
5.99% to 18.28%
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

Is PNC Bank legit?

Yes, PNC is a legit national bank and lender. It has an encrypted website to help keep your data safe. And its privacy policy clearly outlines what personal information it collects, how it uses advertising and even how it uses your info on social media websites.

  • Scam alert: Don’t answer this fake PNC Bank email

    The Better Business Bureau (BBB) issued an alert that several PNC Bank customers have received emails asking for their username and billing information. These emails are part of a phishing scheme and should be ignored. The BBB warns consumers not to click on any links or attachments if a customer receives a suspicious email.

PNC Bank reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.17 out of 5 stars, based on 142 customer reviews
Trustpilot score2.3 out of 5 stars, based on 17 customer reviews
Customer reviews verified as of19 October 2020

The most recent reviews of PNC don’t mention its personal loans. However, many customers have had problems with customer service and random fees — which could make working with PNC difficult if you run into any issues during your loan term.

How do I apply?

You can apply online, by phone or at a PNC branch. To start the online application, follow these steps:

  1. Visit PNC’s website, navigate to its personal loan page and click Start application.
  2. Sign in to your PNC account or or continue as a guest.
  3. Enter information about yourself, including your Social Security number, date of birth and details from a government-issued ID.
  4. Enter information about your housing and employment, including your annual income and occupation.
  5. Provide details about your coapplicant, if applicable.
  6. Enter the amount you want to borrow, then select your preferred repayment term and your loan’s purpose.

Review the summary and go back to make changes to your application if you notice anything is incorrect. If everything is good to go, read the terms and conditions and submit your application.

What happens after I apply?

PNC Bank will process your application. If approved, it will contact you with the steps needed to submit additional documents and finalize your loan. If you aren’t approved, PNC should send a letter within 7 to 10 business days with details on its decision.

How do repayments work with PNC Bank?

PNC allows you to make your monthly payment online, by mail or over the phone — just keep in mind that phone payments have an additional $10 charge. To take advantage of its APR discount, sign up for automatic payments from your PNC checking account.

You can enroll in autopay online by completing, signing and sending an Automatic payment deduction form along with a voided check to the address provided. You can find the form through your online account in the Maintenance tab or request one by calling customer service.

Keep tabs on your account to make sure your payments go through correctly and there aren’t any errors. Contact customer service if you notice anything wrong by calling or visiting your local branch.

See how PNC stacks up to competition with our guide to personal loans.

Frequently asked questions

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  1. Default Gravatar
    November 13, 2018

    I receive a called about being approved for $5000 and was told that I would need to purchase a google card for $150. And would get the $150 and 5000 because my credit. Is this information true about PNC bank? I don’t want to lose any extra money I don’t have and I really do need the extra with the holidays around the corner.

    • Avatarfinder Customer Care
      November 26, 2018

      Hi Candra,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Upon checking, PNC is now using Google Pay as a convenient way to make purchases and payments. However, their website does not mention anything about buying a Google card. What I can suggest is for you to call PNC directly to confirm and discuss more details about the Google card. You may also visit a PNC branch near you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    June 24, 2018

    I got approved for a loan at my bank, can I apply for another loan at my bank?

    • Avatarfinder Customer Care
      June 24, 2018

      Hi Shanteigh,

      Thanks for reaching out to us here.

      Since you were approved a loan at your bank, chances are, you’ll get approved for another loan. The decision, though, depends on your bank so it would be best to inquire with them should you wish to apply for another loan.

      Hope this helps.


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