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PNC Bank Personal Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 March 2024
Fact checked

PNC Bank personal loans overview

PNC Bank logo

Whether you need a lump sum or continuous access to available funds, PNC Bank offers flexible personal loan choices tailored to your needs. You can use the funds for a range of purposes, like home renovation, credit card debts, vacations, debt consolidation, and more. Plus, you don’t need collateral to secure financing.

Want to see what a PNC personal loan will cost? Try the PNC Bank personal loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

  • Minimum loan amount: $1,000.
  • Maximum loan amount: Up to $25,000 ($10,000 in California).
  • Interest rates: From 12.59% APR
  • Loan terms: 6 to 60 months.
  • Loan fees: No application or origination fees.
  • Discounts: Rate discounts from automatic payments.

PNC BANK personal loan options

Unsecured personal loans

If you need a lump sum, PNC’s unsecured personal loans can help you fund a variety of things. You can borrow from $1,000 to $20,000 and secure loan rates as low as 12.59% APR. Additionally, you can choose a loan term from 6 to 60 months.

Unsecured personal lines of credit

PNC Bank also offers a personal line of credit if you need flexible borrowing to access funds whenever you need. You can get an approved limit of up to $25,000 and only pay interest on the amount you draw. However, note that personal lines of credit are only available in selected states.

PNC personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$20,000

Term

3 months

Change
PNC

PNC personal loans

PNC personal loans
Estimated Month Repayments
$837 Inclusive of fees
Interest Rate
28.90%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $20,000
Go to site
A Personal Loan or Line of Credit[1] will provide you access to the money you need to consolidate debt, make home improvements, pay for unexpected expenses and more
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Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
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Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a PNC personal loan

Eligibility criteria

Though PNC Bank doesn’t disclose the requirements for personal loans, you typically need to be:

  • 18 years old or older
  • A legal resident
  • Employed or have a steady source of income

It will help your application if you have a low debt-to-income ratio (DTI) and a high credit score, too. These will show PNC Bank that you can manage your loan payments. So, aim for a low DTI ratio and improve your credit before you apply.

What you’ll need to have ready

Personal details

When you apply for personal financing with PNC Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You can apply for the loan directly on PNC’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

While PNC’s personal loans are unsecured, make sure you can comfortably meet your monthly payments. This way, you can avoid defaulting and damaging your credit profile.

Ways to apply for a PNC Bank personal loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-762-2265

Additional Discover personal loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% APR discount for automated payments from a PNC checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, by mail, and in a branch.

PROS AND CONS

Pros

  • Flexible loan terms.
  • No application or origination fees.
  • 0.25% discount with autopay.
  • No prepayment penalties.
  • No collateral needed.
  • Convenient online application.
  • Financial hardship program available.
  • Multiple payment options – online banking, mobile app, over the phone, by mail, and in person.

Cons

  • Personal line of credit only available in some states.
  • Potential higher APRs for borrowers with low credit scores.
  • Undisclosed late fees.

FREQUENTLY ASKED QUESTIONS

How much can I borrow from PNC?

You can borrow up to $20,000 with a personal installment loan. Then, the maximum loan for a personal line of credit is $25,000. But if you’re from California, you can borrow up to $10,000 for an installment loan and $5,000 for a line of credit.

How much interest does PNC charge on loans?

PNC Bank personal loans have a minimum interest rate of 12.59% APR.

Are PNC Bank personal loans fixed or variable?

PNC bank’s personal loans have fixed interest rates, while personal lines of credit come with variable interest rates.

What is the maximum term of a PNC personal loan?

You can pay your personal loan for up to 60 months.

How long does a PNC personal loan take?

It can take a few days to get approved based on your application.

Are there early repayment fees on PNC personal loans?

PNC Bank doesn’t charge prepayment penalties when you pay off your loan earlier.

How to pay my personal loan?

You can pay your personal loan online, through the mobile app, over the phone, by mail, and in person.

How can I contact PNC about my loan?

You can get in touch with the PNC Bank customer care team at 1-888-762-2265 for personal loans and personal lines of credit.

Video: Rooted in Your Community | PNC Bank

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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