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PNC Bank personal loans review

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Personal loans with a co-applicant option from a regional bank.

Personal loans can be difficult to find at reasonable rates. PNC Bank personal loans can fill that need — if you live in an eligible state. Like many regional banks, customer service and technology are not its shining points. But your savings might make it worthwhile.


Max. Loan Amount

as low as 5.99%



Product NamePNC Bank Personal Installment Loan
Min. Loan Amount$1,000
Max. Loan Amount$35,000
APRas low as 5.99%
Interest Rate TypeFixed
Minimum Loan Term0.5 years
Maximum Loan Term5 years

What makes PNC Bank personal loans unique?

Unlike many banks that force you into large personal loans, PNC bank offers amounts as small as $1,000 to cover smaller expenses. And with a competitive starting APR, those with good to excellent credit may find that it’s a good way to avoid the high rates charged by a short-term lender for a similar amount.

How do PNC Bank personal loans work?

PNC Bank offers unsecured installment loans with fixed terms and APRs. Compared to other loans, PNC Bank loans are relatively small, between $1,000 and $35,000, but they do have longer terms, ranging from 6 to 60 months . Rates vary by loan amount and term, with the lowest rates going to the highest amounts and shortest terms.

PNC Bank secured personal loans

PNC Bank offers personal loans between $2,000 and $100,000, which are secured by any asset that isn’t real estate. Unlike its unsecured counterpart, you don’t have the option of applying online and won’t find as much information about rates and terms. However, you can use your loan funds to finance a vehicle or for any other legitimate purpose.

PNC Bank lines of credit

Not sure how much you need? With large, continuous projects like home improvements, a line of credit makes more sense: It grants you access to a large amount of funds to withdraw from as you go along.

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 variable — typically starting around 9.75%.

What are the benefits of PNC Bank personal loans?

  • Discounts available. You can get a 0.25% discount on your interest rate if you sign up for autopay or if you are a PNC Bank employee.
  • No prepayment penalty. You can repay your loan early and save on interest without having to fork over a fee.
  • Coapplicants accepted. Don’t have great credit? You can still get decent rates if you apply with a creditworthy coapplicant.
  • Small amounts available. You can borrow as little as $1,000 without getting slapped with high rates.

What to watch out for

  • Low maximum loan amount. You can only borrow up to $35,000 — low in comparison to other similar lenders.
  • Limited geographical reach. PNC Bank loans are only available to residents of 19 states and Washington, DC.
  • Unhelpful website. PNC Bank’s website doesn’t include easy access to crucial information like eligibility requirements — or even which states it offers loans in.
  • Mostly negative online reputation. This bank has a lot of negative online reviews and complaints lodged against it. Almost all of them are customer service complaints.
  • Scam alert: Don’t answer this fake PNC Bank email

    The Better Business Bureau (BBB) issued an alert that several PNC Bank customers had received emails asking for their user name 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.

Compare personal loans from top providers

Updated December 9th, 2019
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5.95% to 35.99%
Fair to excellent credit
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3.84% to 35.99%
Good to excellent credit
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6.98% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
3.84% to 35.99%
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34% to 155% (Varies by state)
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6.49% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
5.99% to 17.88%
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Am I eligible?

To apply for a PNC Bank loan, you must be older than 18 years old and live in an eligible state. 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.

Eligible states

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
  • North Carolina
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • South Carolina
  • Virginia
  • Wisconsin
  • West Virginia
  • Washington, DC

How do I apply?

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

  • Your Social Security number
  • How much you would like to borrow
  • State-issued photo ID
  • Previous address, if you’ve moved in the past two years
  • Previous employer if you’ve been at your job for less than two years
  • Annual salary and other forms of income
  • Information on your mortgage or rental obligations such as your monthly payments

If you’re applying with a co-applicant, make sure you know their:

  • Current address, and previous if they’ve moved in the past two years
  • Employer(s) over the past two years
  • Annual income and other forms of income

Once you’re ready to apply, set aside around 15 minutes to complete the online application. Here’s how it’s done:

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.

I got a PNC Bank personal loan. Now what?

Set up autopay before your first repayment is due to take advantage of the discount on rates. Keep tabs on your account to make sure that payments go through correctly and there aren’t any errors. Make sure to contact customer service if you notice anything wrong by calling 888-762-2265 or visiting your local branch.

Bottom line

With its relatively low interest rates and cosigner option, PNC Bank could be a great option for applicants of any credit score who need access to small amounts. And unlike many lenders, PNC Bank offers lower interest rates with shorter loan terms. You might sacrifice some customer service by going with this bank, but the savings could be worth it.

Interested in looking at other options? Check out our guide to personal loans to find other online and brick-and-mortar lenders. If you prefer to stick with a bank, check out our bank personal loans guide for comparisons. And if you want to use PNC Bank but don’t need a personal loan, you can browse its other loan options before you apply.

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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.

    • AvatarStaff
      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?

    • AvatarStaff
      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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