PNC Personal Loan Guide

Need a flexible, no-hassle way to finance your goals? PNC personal loans offer fixed rates, no origination fees, and multiple borrowing paths.

Banks like PNC, Wells Fargo, and TD Bank offer fixed‑rate loans with in‑branch or digital support. Borrowers usually need good credit and stable income. These loans suit customers who prioritize trusted relationships, face-to-face service, and structured repayment plans.

PNC provides unsecured installment loans from $1,000 to $35,000 with terms between 6–60 months. APRs range from 7.89% to 24.74%, based on credit and term, with a 0.25% discount for autopay from a PNC checking account. There are no origination or application fees, and no prepayment penalties. Ideal for borrowers who want transparent rates, flexible loan amounts, and fast, fee-free access—especially those with an existing PNC relationship.

For ongoing financing needs, PNC offers a Personal Line of Credit between $1,000–$25,000 (max $5,000 in CA), with a variable APR tied to WSJ Prime + margin, currently 15.25%–21.55%. There’s an annual fee of $50, but no origination fees or prepayment penalties. This product is great for borrowers who prefer a revolving credit option, need overdraft protection, or want the flexibility to borrow as needed.

Credit unions such as PenFed and Alliant deliver lower rates, minimal fees, and community-oriented service. While a membership is required, acceptance criteria may be more lenient than banks. These institutions often offer more personalized support during financial hardship.

If your credit score is sub‑prime, providers like OneMain Financial, Avant, and NetCredit offer smaller, secured or unsecured loans—often with APRs ranging from 18% to 36%. While more expensive, they offer a credit-building path with on-time payments. Secured options (backed by collateral) may help approve applications at lower rates.