Personal Loans & Lines of Credit

A Personal Loan or Line of Credit[1] will provide you access to the money you need to consolidate debt, make home improvements, to purchase or refinance boats, RVs, motorcycles and more. 

Regardless of whether you have collateral to use, or not, PNC can help find the best option for you.

Rates by Zip Code

Check interest rates on loans in your zip code.


Need help choosing?

Learn about the available options.


With no collateral required, you can borrow a specific amount of money at one time and pay it back through regular monthly payments.

  • No collateral required
  • Regular, fixed monthly payments
  • No penalty for repayment in full at any time
  • Various Repayment Terms Available
  • Apply online, by phone or at a branch

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A Secured Personal Installment loan provides the financing for the purchase or refinance of new or used boats, recreational vehicles, motorcycles or personal use vehicles.

  • Requires approved non-real estate collateral
  • Regular, fixed monthly payments
  • No penalty for repayment in full at any time
  • Various Repayment Terms Available
  • Apply by phone or at a branch

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Access funds whenever you need to — up to an approved credit limit.

  • You decide when and how much to borrow, up to your approved credit limit
  • Borrow when you need to, simply by writing a check or transferring money to your checking account
  • Credit line is approved without collateral
  • No prepayment penalty
  • Continuous draw period
  • Apply by phone or at a branch


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Important Legal Disclosures and Information

  1. Credit is subject to approval.

*The rates we advertise include the 0.25% automatic payment discount. Discount only applicable as long as payments are set up for automatic deduction from a PNC Checking account. The removal of any discount, such as auto deduction or employee, will increase the rate. The displayed rates are available to well-qualified applicants. Your actual APR may be higher than the disclosed rates and will be based on your credit qualifications, amount borrowed, repayment term (installment loan), the then current variable-rate index value (line of credit), whether you elect the automatic payment feature from a PNC checking account and number of days to first payment. See "Get Rates" for more details about current rates.

PNC is a registered service mark of The PNC Financial Services Group, Inc. ("PNC"). Bank deposit products and services provided by PNC Bank. Member FDIC.