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PNC Bank 2025 Personal Loan Review

Last updated on September 16, 2025
Jackie Veling
Written by 
Lead Writer & Content Strategist
Kim Lowe
Edited by 
Head of Content, Personal & Student Loans
Fact Checked
Jackie Veling
Written by 
Lead Writer & Content Strategist
Kim Lowe
Edited by 
Head of Content, Personal & Student Loans
Fact Checked

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Our Take

4.0

NerdWallet rating
The Nerdy headline:

PNC best delivers for existing customers, with a fully online experience and potential rate discount. However, flexibility is limited for non-customers.

Jump to:Full Review
PNC Bank Personal Loan
PNC Bank Personal Loan
Est. APR
7.89-26.44%
Loan amount
$1,000 - $35,000
Min. credit score
None
on NerdWallet

Pros

  • Rate discount for autopay.

  • Has a joint loan option.

  • Direct payment to creditors with debt consolidation loans.

  • Wide variety of repayment term options.

Cons

  • Available in a limited number of states.

  • May not offer a fully online application or funding process.

  • Does not offer large loans.

  • No option to pre-qualify with a soft credit check.

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Full Review

PNC Bank offers small-to-medium unsecured personal loans with flexible repayment terms to both customers and non-customers.

PNC personal loans are only available in about half of the United States, and loan details may vary by state or ZIP code. Enter your ZIP code on the lender’s website to find out what’s available in your area.

» MORE: Compare the best personal loans

PNC personal loans at a glance

Minimum credit score

Undisclosed.

APR

7.89% - 26.44%.

Fees

Late fee: $40 or 10% of the payment (whichever is greater).

Loan amount

$1,000 to $35,000.

Repayment terms

6 months to 5 years.

Time to fund after approval

Same- or next-day funding for existing online banking customers. Other borrowers need to close at a branch, and funding may take 3 to 10 days.

Where PNC Bank personal loans stand out

Autopay discount: Borrowers who set up automatic payments from a PNC checking account can qualify for a rate discount of 0.25 percentage points. This helps lower the overall interest paid on the loan.

Joint loans: The lender allows co-borrowers, so you can add another person to your loan application. Adding someone with a higher credit score than you could increase your chances of getting approved for a larger loan or lower rate.

Direct payment to creditors: If you want to use a PNC personal loan to consolidate debt, the bank will send loan funds directly to creditors instead of depositing them in your account. Though this isn’t a must-have for a debt consolidation loan, this perk saves you the step of sending the funds yourself.

» COMPARE: Best debt consolidation loans

Flexible terms: Borrowers at PNC can choose from a variety of repayment terms ranging from six months to five years. A longer term may mean more affordable monthly payments, while a shorter term means you'll pay less interest on the loan.

Borrowers can also choose their payment due date when they sign a loan agreement and change it once every 12 months during repayment, with some restrictions.

Where PNC personal loans fall short

Available in a limited number of states: PNC Bank personal loans are only available in 26 states and Washington, D.C (see the full list of states lower down). Many other lenders provide personal loans in all 50 states.

Non-customers may need to visit a branch: Current online banking customers can apply online and may receive funds in their account the same day they sign the loan documents. Non-customers will need to visit a branch to close the loan, which delays funding time and may be inconvenient for borrowers.

No large loan amounts: PNC has you covered if you want a small- or medium-sized personal loan. But if you’re looking to cover an especially large purchase, or to fund an expensive project like a major home repair, you’ll need to look elsewhere.

No pre-qualification with a soft credit pull: Unlike most other personal loan lenders, PNC doesn’t allow borrowers to pre-qualify. Pre-qualification is a fast way to determine what potential loan amount, rate, repayment term and monthly payment a lender could offer you, without undergoing a hard credit check.

How to use PNC Bank personal loans

You can use a PNC Bank personal loan for:

  • Debt consolidation.

  • Credit card consolidation.

  • Home improvement. 

  • Medical/dental.

  • Emergency expenses (car repair, vet bill, etc).

  • Vacation.

  • Wedding.

  • Funeral.

  • Other large purchases.

PNC Bank prohibits the use of its personal loans for:

  • Higher education/college tuition.

  • Business expenses.

  • Investing.

  • Gambling.

  • Illegal activities.

Do you qualify for a PNC personal loan?

PNC doesn't publicly disclose many of its borrower requirements, including its minimum credit score. But according to the lender, it serves borrowers with good to excellent credit (scores in the mid 600s or higher). PNC says it considers factors such as length of employment, citizenship and credit history on a personal loan application.

According to the lender’s website, PNC personal loans are available in the following states: AL, AZ, CO, CT, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI and WV. Certain restrictions apply for CT, MA, NY and TN.

PNC’s borrowing requirements

  • Must provide a Social Security number.

  • Must provide photo ID (driver's license, state-issued ID or U.S. passport).

  • Must have a valid U.S. bank account, email address and physical address.

  • Must provide proof of employment or income.

  • Must not have any previous bankruptcies.

» MORE: How to get a personal loan

How we rate PNC

NerdWallet writers and editors rate lenders against a rubric that changes each year based on how personal loan products evolve. Here’s how we scored PNC this year:

Category

Star rating

Affordability

Underwriting and eligibility

Application process

Loan flexibility

Customer experience

Overall

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Find the Best Personal Loan

Best personal loansDebt consolidation loansGood credit personal loansFair credit personal loans

How we chose the best personal loans

Our team of consumer lending experts follows an objective and robust methodology to rate lenders and pick the best.

30+

Lenders reviewed

We review over 35 lenders, including major banks, top credit unions, leading digital platforms, and high interest installment lenders operating across multiple states.

25+

Categories assessed

Each lender is evaluated across five weighted categories and 27 subcategories, covering affordability, eligibility, consumer experience, flexibility, and application process.

60+

Data points analyzed

Our team tracks and reassesses hundreds of data points annually, including APR ranges, fees, credit requirements, and borrower tools, ensuring up to date, accurate comparisons.

Star rating categories

We evaluate more categories than competitors and carefully weigh how each factor impacts your experience.
Affordability

25%

We review lenders’ annual percentage rate offerings and the competitiveness of each lenders’ APR range. We also assess whether a lender charges an origination fee and any opportunity for borrowers to receive a rate discount.

Customer experience

20%

We consider the experience of the consumer trying to manage a personal loan, which means accessibility of customer service representatives, whether borrowers can choose and change their payment due date, and the ability to track their loan on a mobile app.

Underwriting and eligibility

20%

We consider the rigorousness of each lender’s underwriting practices and how widely available their loans are. This category includes whether a lender does a hard credit check before providing a loan, the range of credit profiles they accept and how many states their loans are offered in.

Loan flexibility

20%

We assess how flexible lenders can be with borrowers, including whether they offer multiple loan types, personal loan amounts and repayment term options and whether they offer direct payment to creditors on debt consolidation loans.

Application process

15%

We consider the lender’s full application process, including a borrower’s ability to preview their loan offer via pre-qualification, whether basic loan information such as APR range and repayment terms are available and easy to find online and how quickly a loan can be funded after approval.

5.0

Overall score

NerdWallet’s review process evaluates and rates personal loan products from more than 30 financial technology companies and financial institutions. We collect over 60 data points and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.
NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines.
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