Table of Contents:

How do PNC Personal Loans work?

PNC Line of Credit

What do I need to qualify for PNC Personal Loans?

Apply for PNC Personal Loans online

Why PNC bank? PNC Personal Loans pros and cons

PNC Personal Loans rates and terms

PNC Personal Loans Fees

Compare PNC loans to other Personal Loans direct lenders

PNC Personal Loans vs. Other Best Direct Lenders

Check rates from other lenders

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Loans for ANY NEEDS
APR from 4.99%

How do PNC Personal Loans work?

PNC offers unsecured Personal Loans up to $20,000 with no collateral, with regular, fixed monthly payments, no prepayment penalty. You can choose various repayment terms. And it’s possible to apply online, by phone or at a branch near you.

PNC Bank provides affordable rates starting at 7.49%. You can create a PNC checking account in order to be eligible for a 0.25% rate reduction.

Personal Loans

PNC Line of Credit

PNC Line of Credit ranges from $1,000 to $25,000.

Minimum Line Amount

$1,000

Maximum Loan Amount

$25,000

Minimum Draw Amount

$50

Collateral

None

Rate

Variable-rate, based upon Wall Street Journal Prime Rate

Prepayment

No prepayment penalty

Draw Period

Continuous

What do I need to qualify for PNC Personal Loans?

There’re simple PNC Bank personal loan requirements:

  • US residence
  • At least 18 years of age
  • Desirable credit score over 700

Though a fair credit score is preferable, you can also qualify for a PNC loan. To increase your approval chances you can consider applying with a cosigner.

Apply for PNC Personal Loans online

To apply for PNC Personal Loans you need to fill out a simple application form online on their website.

PNC says it takes about 10 to 15 minutes to complete the application and provides a list of what you’ll need to apply.

To guarantee instant approval make sure to provide the following documents:

  • Social Security number
  • Date of birth
  • Government-issued photo ID
  • Proof of a stable annual income
  • Monthly housing payment

If you have questions about your Personal loans from PNC Bank, contact customer care consultants at 1-888-762-2265 from 7 a.m. to 10 p.m. ET Monday through Friday and 8 a.m. to 5 p.m. ET Saturday and Sunday.

Why PNC bank? PNC Personal Loans pros and cons

PNC Personal Loans Pros
  • Loans up to $35,000 
  • APRs as low as 7.49% 
  • Autopay discount of 0.25% 
  • No origination fees 
  • No prepayment fees 
  • Co-applicants accepted 
  • Wide range of loan terms 
  • Funding within 3 business days
PNC Personal Loans Cons
  • PNC Personal Loans are available only up to $35,000 
  • PNC provides Personal Loans only in 19 states and Washington, DC 
  • Though minimum credit score is not disclosed, you may have problems with approving

PNC Personal Loans rates and terms

PNC offers $1,000 - $35,000 unsecured personal loans for 6 -60 depending on the state. PNC bank puts fixed interest rates to Personal Loans that start at 6.24% but may depend on your state of residence, credit score, loan amount.

Compare the Best Personal Loan Rates

PNC Personal Loans Fees

PNC Bank doesn’t charge any origination fees, prepayment penalty fees, and other additional fees.

Compare PNC loans to other Personal Loans direct lenders

Prosper is an online lender providing loans between $2,000 to $40,000, with competitive rates starting at 6.95%. It's available in 47 states. You can prequalify for Prosper Personal Loans with no damage to your credit score. You can also be approved for the loan with poor credit.

Prosper is a lender offering Personal Loans up to $40000, debt consolidation and home improvement loans.online and in-store in the majority of states. 

  • MIN Loan Amount: $2000
  • MAX Loan Amount: $40000
  • Terms: 3 - 5 years
  • Rates and fees: 6.95% to 35.99% APR
  • Turnaround Time: 1 - 2 business day
  • Personal Loans
  • Debt Consolidation Loans
  • Home Improvement Loans
  • be 18 years of age or older,
  • have a valid Social Security number as well as a checking or savings account,
  • you must reside in an eligible state.
Pros
  • A fixed interest rate
  • A clear payment plan
  • A set payoff date
Cons
  • Not available in every state.
  • High interest rates for bad credit borrowers.
  • Your origination fee is based on the proprietary Prosper Rating, which you can’t control.

 

 

Wells Fargo offers higher Personal Loans amounts up to $100,000. But you must become a Wells Fargo customer and visit their local branch to get a loan.

Wells Fargo offers Loans, Credit Cards, Free Online Budgeting Tools and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $3000
  • MAX Loan Amount: $100000
  • Terms: Vary by state.
  • Rates and fees: starting from 5.24% APR
  • Turnaround Time: 1 - 2 business day
Read Full Review

Checking Accounts

Savings Accounts and CDs

Debit and Prepaid Cards

Credit Cards

Foreign Exchange

 

Mortgage Loans

Home Equity Lines

Personal Lines and Loans

Student Loans

Auto Loans

Credit Cards

Global Remittance Services

Online Banking

Transfer and Pay

ATM Banking

 

Pros
  • Easy and accessible mobile and online banking

  • Opportunity to create a personal relationship with bankers at Wells Fargo branches

Cons
  • Monthly service fees on checking and savings accounts 
  • Low APY rates compared to online banks 

 

  • Must be a U.S. citizen, U.S. national or permanent resident.
  • Be the age of majority or older at the time of application.
  • You must be able to show that you can pay back the loan.

PNC Personal Loans vs. Other Best Direct Lenders

 

PNC

Wells Fargo

Prosper

 

Lending Club

Reviews

*****

*****

*****

*****

APRs

7.49% - 17.49%

5.24% - 24.49%

10.68% - 35.89%

start at 4.99%

Loan Amounts

$1,000 - $20,000

$3,000 - $100,000

$1,000 - $40,000

$1,000 - $35,000

Loan Terms

6 - 60 months

12 - 60 months

36 or 60 months

Varied

Minimum Credit Score

Not disclosed*

Fair*

Fair*

Not disclosed*

Winner

Lend You

 

 Check rates from other lenders

Compacom advises to compare PNC Personal loans to other similar lending companies to find the best rates and terms.

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Instant Loans USA will help you get the cash you need when you need it. You can apply for Payday Loans, or Personal Loans online. Choose the best rates and terms and get the same-day financing.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
Read Full Review
  • $100 - $1000 Payday Loans
  • $5,000 - $35,000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High loan amounts up to $35,000. 
  • Minimal basic requirements.
  • No collateral or co-signer.
  • Bad credit is OK. 
Cons
  • High interest rates.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.