Get a 0.25% APR discount when you set up automatic payments from your PNC checking.
Choose between fixed installment loans or a flexible line of credit.
Borrow $1K–$35K without putting up collateral.
Change your payment due date once a year to fit cash flow.
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PNC Installment Loans: Predictability Meets Customization+
PNC installment loans offer borrowers fixed monthly payments over 36–60 months with loan amounts ranging from $1K to $35K. Add an autopay discount, fee-free structure, and annual payment-date flexibility—perfect for those seeking both stability and personal control.
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NC Line of Credit: On-Demand Financial Buffer+
If you want funds when you need them, PNC’s personal line of credit lets you borrow up to $25K (or $5K in CA), has variable rates tied to prime, and comes with no prepayment penalties. You can even use it as overdraft protection—great for handling irregular expenses like freelance income variability.
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PNC Flex Pay at Checkout: Pay Your Way+
Pay $1K–$10K with in-store purchases via QR code using installment loans right at the point of sale. No upfront payment or collateral required—ideal for major purchases such as appliances or events.
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Life Event Loans: Weddings & Renovations Made Simple+
PNC personal loans are great for financing life milestones. Weddings, remodels, medical bills—they’re all covered with transparent, no-fee options and set repayment schedules. Best for borrowers who plan ahead with clear financial goals.
Top Personal Loan Options in the US
- TD Fit Loan (TD Bank) – Unsecured loans from $2,000–$50,000, fixed APRs between 8.99%–23.99%, no origination or prepayment fees, and next-business-day funding for qualified applicants.
- LightStream (by Truist) – Ultra-low rates, zero fees, and same-day funding for strong-credit borrowers.
- SoFi – Fee-free loans with benefits like unemployment protection and digital convenience.
- Discover – Fixed APRs, no origination fee, and next-business-day funding.
- Marcus by Goldman Sachs – No-fee consolidation loans with payment flexibility.
Traditional Bank Personal Loans
Like Wells Fargo or PNC, TD Bank offers personal loans with fixed APRs, structured repayment, and both online and branch services. They typically require good credit and steady income. These loans are best for borrowers who value consistent support and in-person banking.
TD Fit Loan: Fixed, Transparent, and Fast
- No origination, monthly, annual, or prepayment fees—you pay only for the interest owed
- Soft credit check prequalification lets you view potential loan options without impacting your FICO score
- Fast funding—qualified applicants who lock in the rate and complete the loan by 4:30 pm ET can receive funds via ACH the next business day
Loan Automation & Application Experience
Apply entirely online or check in-branch. The soft pull for prequalification preserves your credit score. Once approved, choose a fixed-rate loan tailored to your needs—whether it’s debt consolidation, home improvement, a vacation, or an unexpected bill .
You’ll benefit from scheduled payments using autopay and digital management via TD Bank’s app, which includes payment alerts and reminders .
Credit Union Personal Loans
Credit unions such as PenFed and Alliant generally offer lower rates, fewer fees, and personalized service. While you must join, these community-oriented lenders often offer more flexibility during hardships—making them worth considering for members or future members.
Personal Loans for Bad Credit
Those with fair or poor credit may need to look at providers like OneMain Financial, Avant, or NetCredit. Though APRs from 18%–36% and fees are common, these options may offer smaller, secured loans that help rebuild credit through on-time repayment.
As Investopedia notes, TD Bank and Upstart offer personal loans to borrowers with scores as low as 300, though expect higher rates and conditions .
How Personal Loans Impact Your Finances and Credit Score in the US
Taking out a personal loan starts with a soft inquiry for prequalification, preserving your credit initially. Accepting the loan triggers a hard inquiry, which may cause a slight, short-term dip in your FICO score. Consistent, on-time payments, which comprise ~35% of your FICO score, will boost your credit over time. A personal loan also improves your credit mix and reduces your credit utilization if you consolidate revolving debt. However, it creates a new repayment obligation, potentially raising your debt-to-income (DTI) ratio—one of the key metrics lenders use for future mortgage or auto loan approvals. Since the TD Fit Loan has no origination or prepayment fees and fixed terms, it helps borrowers avoid surprise costs—but always borrow responsibly, compare offers, and ensure monthly payments fit your budget.
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