SmartRatesUSA
Personal Loan Review🏦 Best for Existing Bank Customers

PNC Personal Loan

PNC Bank

APR 6.99%–25.29% on loans from $5,000 to $35,000.

At a Glance

APR Range

6.99%–25.29%

Loan Amount

$5,000–$35,000

Term Length

6–60 months

Min. Credit Score

660

Origination Fee

None

Funding Time

1–2 business days (existing PNC customers may get same-day)

Rates & Fees

APR Range

6.99%–25.29%

Origination Fee

None

Prepayment Penalty

None

Late Fee

Minimum $40, applied after a 15-day grace period

Autopay Discount

0.25-point APR discount for autopay from a PNC checking account

Funding Time

1–2 business days (existing PNC customers may get same-day)

Key Features

No origination fee or prepayment penalty

0.25-point APR discount for autopay from a PNC checking account

Existing PNC customers can often see pre-qualified offers in online/mobile banking

Backed by a large national bank with branch support

Pros & Cons

Pros

  • No origination fee, ever
  • Low end of APR range is competitive for excellent credit
  • Rate discount for PNC checking customers
  • Wide range of loan amounts and terms

Tradeoffs

  • Best rates generally require an existing PNC relationship
  • Late fees apply after a 15-day grace period (min $40)
  • Max loan amount ($35K) lower than LightStream or SoFi
  • Not available in all states

How to Apply

Check your rate with PNC Bank — most personal loan lenders let you pre-qualify with a soft credit check that doesn't affect your credit score.

Compare the estimated APR, term, and monthly payment against at least one other lender before committing.

Gather proof of income, identification, and bank account details for the formal application.

Submit the full application directly on PNC Bank's site; approval typically requires a hard credit inquiry.

If approved, review the final loan agreement for the origination fee and funding time (1–2 business days (existing pnc customers may get same-day)) before signing.

How It Compares

Current product highlighted
ProductAPR RangeLoan AmountOrigination Fee
PNC Personal Loan6.99%–25.29%$5,000–$35,000None
LightStream Personal Loan7.24%–24.89%$5,000–$100,000None
SoFi Personal Loan6.99%–35.49%$5,000–$100,000None (optional fee for lower rate)
LendingClub Personal Loan5.96%–35.96%$1,000–$75,0000–8%

Frequently Asked Questions

What credit score do I need for a PNC Bank personal loan?

PNC Bank generally looks for a credit score around 660+ for the PNC Personal Loan, though your actual rate within the 6.99%–25.29% range depends on income, debt-to-income ratio, and loan term.

Does PNC Bank charge an origination fee?

PNC Bank's origination fee is listed as "None." An origination fee is typically deducted from your loan proceeds up front, so it affects how much cash you actually receive.

How fast does PNC Bank fund a personal loan?

PNC Bank advertises funding times of "1–2 business days (existing PNC customers may get same-day)." Actual timing can vary based on verification requirements and your bank's processing speed.

Are there prepayment or late fees on the PNC Personal Loan?

Prepayment penalty: None. Late fee: Minimum $40, applied after a 15-day grace period. Paying off a personal loan early is usually fine as long as there's no prepayment penalty, but always confirm before making a large extra payment.

How does the PNC Personal Loan compare to other personal loans?

See the "How It Compares" table on this page for a few close alternatives side by side, or browse the full list of personal loans to compare APR, loan amount, and fees across more lenders.

Other Personal Loans

LightStream Personal Loan

7.24%–24.89% APR

SoFi Personal Loan

6.99%–35.49% APR

LendingClub Personal Loan

5.96%–35.96% APR

Rates and terms shown are illustrative as of 2026 and vary based on creditworthiness, income, and loan amount — always confirm current terms directly with the lender.

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