PNC Bank – Personal Loan
PNC Bank offers unsecured personal loans and lines of credit with no application fees and rate discounts for existing customers with qualifying deposit accounts.
Applying does not obligate you to accept a loan offer.
PNC Personal Loan – Review 2026
PNC Financial Services is the seventh-largest US bank with over 2,300 branches in 29 states plus Washington, D.C. PNC offers both fixed-rate personal loans and revolving personal lines of credit.
Loan Details
Personal loans range from $1,000 to $35,000 with terms of 6 to 60 months. APRs from 8.39% to 28.74% with no application or origination fee. A 0.25% relationship discount is available with autopay from a PNC checking account.
✓ Pros
- No fees
- Both fixed and revolving options
- Relationship discount
- Wide branch network
✗ Cons
- Service area limited to ~30 states
- Slower funding than online
- Maximum loan $35,000
Loan Example
Example: $8,000 loan for 36 months at 13.49% APR = monthly payment of $270.92, total payable $9,753.12.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in PNC service area
- ✓ FICO 660+
- ✓ Verifiable income
- ✓ PNC or external bank account
Loan Features
- No application or origination fees
- Personal loans + lines of credit
- Loans up to $35,000
- Customer relationship discount
- Joint applicants accepted
Frequently Asked Questions
1-7 business days after submitting your application.
The minimum amount at PNC Bank is $1,000 USD.