The Personal Loan product is available in select states.[1]
| Minimum Loan Amount | $1,000 |
| Maximum Loan Amount | $35,000 |
| Collateral | None |
| Terms Available | Various repayment terms |
| Payment Frequency | Monthly |
| Prepayment Penalty | None |
| Application Fee | None |
| Origination Fee | None |
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Loans are subject to credit approval. Certain restrictions and conditions apply. Loan Proceeds: Loan Proceeds cannot be used to pay for post-secondary educational expenses or to refinance student loan debt.
The Personal Loan product is only available in the following states: AL, AZ, CO, CT, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI and WV. Certain restrictions apply for MA, NY, CT and TN. Contact us at 1-877-CALL-PNC (1-877-684-8707) to confirm product availability in your state.
Personal Loan Details: PNC offers loan terms from 6 to 60 months. Your APR will not exceed 27.19% and lower rates are available to qualified applicants. Please refer to the “Get Rates” tool for more detailed rate options.
Loan Repayment Example: For a personal loan of $1,000 with a 36-month term at 16.99% APR, you would make 36 monthly payments of $35.65, for a total payment of $1,283.32. This repayment example at the stated APR assumes 30 days to first payment, the borrower set up automated payments from a PNC checking account for the life of the loan, and that all payments were made on time, with no prepayments. Your actual payment will be determined based upon factors such as the approved loan amount, repayment term, and APR.
The APR in the above loan repayment example includes a 0.25% discount for automated payment from a PNC checking account. Automated payment must be set up at loan closing to qualify for the 0.25% discount. If automated payment is discontinued, you may no longer receive an automated payment discount and your rate will increase 0.25%.
Rates, terms and conditions are as of 4/1/2026 and are subject to change at any time.
If you are an existing PNC customer that hasn't enrolled in PNC Online Banking, Enroll Now. If you are not a PNC Banking customer, Schedule an Appointment or call 1-877-684-8707, 8 am - 9 pm ET Monday-Friday and 8 am - 5 pm ET Saturday & Sunday to learn more.
*Check Personal Installment Loan Rates: APRs that will display include a 0.25% discount for automated payment from a PNC checking account. The lowest rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors. Refer to "Important Disclosures" under "Get Rates" for more details.
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PNC is a registered mark of The PNC Financial Services Group, Inc.
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