If you’re comparing personal loan rates and keep seeing PNC Bank near the top of the list, there’s a reason: it currently advertises one of the lowest starting APRs among major banks. Here’s what a PNC personal loan actually looks like, who qualifies, and how to apply.
Rates, Amounts, and Terms
- Loan amounts: $5,000 to $35,000
- Repayment terms: 12 to 60 months
- APR range: 6.99% to 25.29%
- Autopay discount: 0.25 percentage points off when you pay from a PNC checking account
- Fees: no origination fee, no prepayment penalty
The lowest advertised rates go to well-qualified applicants, so your actual offer will depend on your credit profile, the amount you request, and the term you choose.
One Thing to Check First: State Availability
PNC personal loans aren’t available everywhere — they currently operate in 26 states plus Washington, D.C. Before you spend time on an application, it’s worth a quick call to PNC to confirm the product is available where you live.
Who Qualifies
You’ll need to be a U.S. citizen or permanent resident with a U.S. tax identification number. PNC doesn’t publish a minimum credit score, but approval is based on your credit history, income, and overall ability to repay. Unlike Wells Fargo, you don’t need to already be a PNC customer to apply.
What You’ll Need to Apply
- Social Security number
- Photo ID
- A previous address, if you’ve lived at your current one for less than two years
How to Apply
- Confirm PNC personal loans are available in your state.
- Apply online, at a branch, or by phone.
- Provide your identification, income, and residency information.
- Review your offer — rate, term, and monthly payment — before accepting.
Frequently Asked Questions
Do I need to already bank with PNC?
No. Unlike some competitors, PNC doesn’t require an existing account relationship to apply for a personal loan.
Is PNC available in my state?
Only in 26 states plus D.C. Call PNC directly to confirm before applying.
Are there any fees?
No origination fee and no prepayment penalty, based on PNC’s current terms.
This article is for general information only and is not financial advice. Rates, terms, and availability are set by PNC Bank and can change — confirm current details directly with PNC before applying.