PNC Personal Loans Review

While PNC Bank was founded in 1845 as Pittsburgh Trust and Savings Company, the company has completely reimagined itself since then.

APR Range
Varies by zipcode
Loan Amount
6–60 months
3.8 / 5.0
SimpleScore PNC 3.8
Rates 4
Loan Size 5
Customer Satisfaction N/A
Support 3
Fees 3

These days, PNC Bank offers an array of banking products and tools that target a wide range of consumers. Offerings include wealth and asset management, checking accounts, online savings accounts, home loans, credit cards, and more. PNC also boasts a robust small business banking platform that helps business owners borrow the capital they need to grow over time.

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In this article

    When it comes to personal banking, PNC offers many popular products including their dynamic personal loans and personal lines of credit. Each of their lending solutions make it easy to borrow money for nearly any goal, including pricey home improvement projects, debt consolidation, financing a wedding, and more.

    If you need to borrow money for any reason, a personal loan or line of credit may be what you need. PNC Bank could also be the best lender for your goals, but you should take the time to compare their offerings, interest rates, terms, and other factors before you move forward.

    PNC Personal Loans: Key Takeaways

    • Borrow between $1,000 and $35,000 with an unsecured personal loan.
    • Secured loans are available in amounts up to $100,000.
    • A PNC line of credit lets you borrow up to $25,000, and you’ll only repay amounts you borrow.
    • Interest rates vary by ZIP code.
    • Repay your loan with a timeline between 6 months and 60 months.
    • Unsecured personal loans come with no origination fees or hidden fees.

    PNC Personal Loans and Lines of Credit: A Review

    If you’re a PNC customer already, you probably know about the many banking solutions they offer. You can access this bank for a home equity loan, an auto loan, or your personal banking needs. PNC even offers a wide range of personal and business credit cards that can help you earn points for each dollar you spend.

    When it comes to their loan options, PNC offers more than one choice there as well. As of right now, borrowers can choose from:

    • Unsecured personal loans in amounts up to $35,000
    • Secured personal loans in amounts up to $100,000
    • Lines of credit in amounts of up to $25,000
    • Installment loans in amounts up to $20,000

    With an unsecured personal loan from PNC, you can borrow up to loan limits without any collateral. You can also repay your loan for up to 60 months and you have the option to apply online. With PNC secured personal loans or lines of credit, on the other hand, you’ll need to apply on the phone or in person at a PNC branch.

    While any of these options may work for you, many consumers like the fact that unsecured personal loans come with fixed interest rates, fixed monthly payments, and fixed repayment timelines. Having this type of stability means you’ll never be surprised by your loan payment and you’ll always know when your loan will be paid off.

    With a PNC line of credit, on the other hand, you’ll be subject to a variable interest rate that can change over time. And since you only repay amounts you borrow, your monthly payment and payoff date can change as well.

    We like PNC’s unsecured personal loan options because it comes with extremely low rates for borrowers with great credit. You also get a loan with no origination fee and the ability to tailor your loan amount and payoff date to your needs. Finally, PNC makes it easy to apply for their unsecured personal loans online and from the comfort of your home.

    Here’s an example of how an unsecured personal loan from PNC might look once you enter your ZIP code to see rates in your area:

    PNC Personal Loans: What to Watch Out For

    It’s true PNC offers some of the most affordable and transparent personal loans in the business, but there are a few downsides. For starters, the fact that the best rates from PNC only go to those with excellent credit. PNC advertises loan rates as high as 24.49% APR in their fine print, so we can assume borrowers with less-than-stellar credit would wind up paying rates toward the higher end of the scale.

    As a final downside, it’s important to remember that PNC limits is unsecured personal loans to $35,000. If you need to borrow more than $35,000 in an unsecured loan, you may need to find a different lender.

    Who PNC Personal Loans are Best For:

    • Anyone who needs to borrow up to $35,000 for nearly any reason
    • Consumers with great credit who can qualify for PNC’s lowest interest rates
    • Borrowers who want a personal loan with no origination fee

    How We Rate PNC

    At The Simple Dollar, we aim to provide a general overview of a lender’s products and services through a standard rating process. After a thorough research and discovery period, here’s how PNC stacks up:

    Fixed APR Variable APR Term Min. Loan Max. Loan
    PNC Varies by zipcode Varies by zipcode 6–60 months $1,000 $35,000

    How to Apply for a Personal Loan from PNC

    Remember that you need to apply over the phone or in a branch if you want a secured personal loan or line of credit from PNC. If you want an unsecured personal loan for up to $35,000, you can complete the entire loan application process online.

    Start by heading to the PNC website. Once you find the section of the website where you can apply, plan to submit the following information in your application:

    • Your name
    • Photo ID
    • Income
    • Employment information
    • Social Security number
    • Information on other debts
    • Email address
    • Phone number

    Once you complete your application, you can expect a response in as little as 2-3 business days. If your loan is approved, you may get the funds you need deposited into your bank account within a few more business days.

    Check Your Personal Loan Rates

    Answer a few questions to see which personal loans you pre-qualify for. It’s quick and easy, and it will not impact your credit score.

    Get Started

    with our trusted partners at



    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best personal loans of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare NetCredit’s personal loans according to our criteria for the best personal loans, it scores a 2.3 out of 5. But when we compare NetCredit according to the criteria for the best bad credit personal loans, it scores considerably higher, since the criteria for the latter review are more lenient (lenders who serve borrowers with bad credit will always offer higher rates, so we needed to adjust our category methodology to account for different industry standards).

    Questions about our methodology?

    Email Hayley Armstrong at


    We looked at the maximum APR for each lender — the lower their maximum rate, the higher their score.

    Loan Size

    We awarded higher scores to lenders with more generous loan sizes.

    Customer Satisfaction

    We leveraged the J.D. Power 2019 Personal Loan Satisfaction Study℠ to see how customers rated their experience with each lender. (If a lender wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


    We awarded higher scores to lenders with the most channels for customer support.


    We looked at the three most common fees — origination, late payment, and pre-payment — and penalized lenders for each fee charged.

    Holly Johnson

    Contributing Writer

    Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.