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PNC Bank Personal Loans 2022 Review
Updated on Jan. 1, 2022 Advertiser Disclosure Advertising Disclosure
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. At a glance
PNC in the details
Loan Amount $600 – $50,000 APR from Varies by zip Term lengths 6 to 36 months Pros and cons of PNC Bank personal loans
Here’s a list of some of PNC Bank’s benefits and drawbacks. PROS
Minimal fees: Borrowers aren’t assessed application or origination fees on PNC personal loans. Additionally, unlike some lenders, PNC Bank gives you the freedom to pay off your loan early without a fee. Perks for PNC Bank customers: If you already have a PNC checking account, you can earn a 0.25 percent discount on your loan APR by setting up automatic payments. Co-borrowers allowed: Unlike some traditional banks, PNC permits co-applicants on personal installment loans. CONS
Products vary by location: Your location determines which APRs and repayment terms you’re eligible for. For some ZIP codes, this information is hard to come by on the PNC website. May have to visit a branch to receive funds: Depending on your location, you may need to visit a branch in order to sign your loan documents, an inconvenience that many online-only lenders have eliminated. Lending terms
PNC offers unsecured personal loans that range from $1,000 to $35,000 and repayment terms of six to 60 months in some states. Rates available to you depend on your creditworthiness, loan amount and location. PNC doesn’t disclose a minimum credit score to qualify for a loan, nor the amount of time it will take to fund your loan. Fees and penalties
PNC keeps fees to a minimum. It has no and no prepayment penalty for its unsecured loans. But those who don’t have a checking account at PNC or decide not to enroll in automatic payments pay 0.25 percent more in interest. Late fees vary by location. How to apply for a loan with PNC Bank
You can apply for an unsecured personal loan from PNC through its website, by phone or in person at a branch. The fastest way to start the process is by using the online application. In order to apply online, you'll need to provide: Your full name, Social Security number and date of birth. Your driver's license, state-issued photo ID or U.S. passport. Your current address (and previous address if you've lived at your current address for fewer than two years). Your annual income (and any additional income you'd like PNC to consider). The amount you'd like to borrow. If you're already an account holder, PNC will pre-fill the application for you. Those applying with a co-applicant will need to provide their co-applicant's information as well. There's limited information available online about the approval process. However, borrowers in some states may need to visit a branch to sign loan closing documents before receiving funding. If you have questions about your loan options, customer care consultants are available at 888-762-2265 from 7 a.m. to 10 p.m. ET Monday through Friday and 8 a.m. to 5 p.m. ET Saturday and Sunday. PNC also offers a mobile app for iOS and Android devices so you can manage your account while on the go. Get Prequalified for a Personal Loan
Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it How Bankrate rates PNC Bank
Overall Score 4.5 Availability 4.2 PNC does not disclose many of its eligibility requirements or its funding timeline, though it has a good range of loan amounts. Affordability 4.8 While it’s possible that you could be charged a late fee, otherwise PNC is fee-free and offers low interest rates. Customer Experience 4.4 PNC has good customer support options. However, borrowers may have to visit a branch to close their loan. Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information. On This Page
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