Personal loan
PNC Bank: personal loan terms and fees
Unsecured borrowing for eligible PNC checking customers.
Product details and conditions
Application requirement
PNC states that applicants must have an eligible PNC personal checking account and be enrolled in PNC Online Banking.
Personal loan — official product terms ↓Amounts and terms
Published loan amounts are $5,000–$35,000. The table offers terms from 12 to 60 months, with rates depending on the amount and term.
Personal loan — official product terms ↓Published APR table
The August 27, 2026 table spans 6.99%–25.29% APR across different amount and term combinations and includes a 0.25% automatic-payment discount. This is not the range for every loan size or term.
Personal loan — official product terms ↓Fees and collateral
PNC lists no application fee, origination fee or prepayment penalty, and no collateral requirement.
Personal loan — official product terms ↓Before you choose
- What APR, origination fee and net deposit are in my actual offer?
- What are the monthly payment and total scheduled payments for each available term?
- Is collateral required, and what happens if I cannot repay?
- When does a credit check become a hard inquiry, and are there state or loan-use restrictions?
Provider sources
- Personal loan — official product terms ↗
Checked 2026-09-24 · Document date: August 27, 2026 (APR table)