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PNC Bank personal loans review

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


Bottom line: PNC Bank’s personal loans could be an easy choice for current customers. But go with another provider for lower rates and higher loan amounts.


Min. Loan Amount$1,000
Max. Loan Amount$35,000
APR5.99% to 28.74%
Interest Rate TypeFixed
Min. Credit ScoreNot stated
Loan Term6 months to 5 years


  • 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 personal loan rates, fees and term

The APR for a personal loan from PNC ranges from 5.99% 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.

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

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How PNC Bank compares to other lenders

Here’s how this regional bank stacks up to other similar personal loan providers.

PNC Bank reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.17 out of 5 stars, based on 142 customer reviews
BBB customer complaints1604
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 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.

Where 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

How to apply

You can apply by completing an application online, by phone or at a PNC branch. 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 seven to 10 business days with details on its decision.

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 stop your scheduled payment by contacting PNC Bank at least two days ahead of your due date.

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.

What sets it apart

PNC Bank personal loans fall on the lower end of the spectrum, which can be hard to find at larger national banks. But if you aren’t already a PNC Bank customer, it might not be worth it. It’s possible to find other products with lower rates and a wider range of options than this provider. Even with an online lender.

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.

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

See other personal loan options

Use this table to compare personal loans that you might be eligible for.

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
PenFed Credit Union personal loans
4.99% to 17.99%
$600 to $25,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi personal loans
5.74 to 20.28%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

Personal loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 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 — typically above 700. 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.

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    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!


    Default Gravatar
    June 24, 2018

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

      Default Gravatar
      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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