Personal Loan & Line of Credit
Information to help you manage your personal loan account with PNC.
It’s easy to manage your personal loan with PNC Online Banking.
PNC Online Banking is your secure online resource for viewing important account information and accessing helpful tools to manage your loan.
Once logged into Online Banking, start taking advantage of the many benefits, including:
- Get organized and save paper with paperless statements.
- Schedule payments for your account.
How to Read Your Loan Statement:
- Reviewing Your Personal Unsecured Installment Loan Statement
- Reviewing Your Personal Line of Credit Statement
- Reviewing Your Term Loan Statement
Easy. Convenient. Clutter-free.
Switch to paperless for online access to your monthly statements
Getting started with Online Banking for the first time? Here's what you'll need:
- Social Security Number (SSN)
- PNC Account Number
- One of the following:
- PNC Visa® Debit Card PIN
- Online Access PIN
- Mobile or Phone Number to receive a one-time passcode.
If you don't have a PIN, please call Customer Care 1-800-762-2265 for assistance.
Answers to common personal loan & line of credit questions.
|Payment Methods||Product||Description||How To Use
|PNC Online Banking
||Personal Installment Loans and Lines of Credit||Make a payment to your account using PNC Online Banking. You can schedule one-time or recurring payments.||Navigate to PNC Online Banking and select your account. Click Make a Payment on your account activity screen to schedule a payment. Click here to learn more.|
|PNC Mobile App
||Personal Installment Loan||Make a payment to your account using PNC's Mobile App. You can schedule one-time, same-day payments from a PNC deposit account.||Download the PNC Mobile app from your phone's app store and log in. Select your account and choose Make a Payment to schedule a payment.|
|Automated Payments||Personal Installment Loans and Lines of Credit||Enroll in the Automated Payment Program and have your monthly payment automatically deducted from your desposit account.||Download, complete, and return the Automated Payment Authorization form using the instructions on the form OR call 1-888-762-2265 to have the form emailed to you to be submitted electronically.|
|Pay by Phone - Voice Banking||Personal Installment Loans||Make a one-time, same-day payment using our Voice Banking service.||Pay over the phone with Voice Banking by calling 1-888-PNC-BANK (1-888-762-2265). If paying from a non-PNC deposit account, have your account number and routing number available.
|Pay by Phone - Agent Assisted||Personal Lines of Credit||Make a payment with a PNC Agent over the phone.||Call a PNC Agent at 1-888-PNC-BANK (1-888-762-2265). If paying from a non-PNC deposit account, have your account number and routing number available.|
|In-Branch Payment||Personal Installment Loans and Lines of Credit||Make a payment at any PNC Branch.||Visit a PNC Branch during normal branch hours to make a payment. The payment is effective as of the date the payment is made, although it may take up to 2 business days for the payment to be reflected on your account.|
|Mail Your Payment||Personal Installment Loans and Lines of Credit||Make a payment to your account by mail.
Send a check in the mail along with the payment slip provided at the bottom of your monthly billing statement. If you do not have a statement, please make sure to write your PNC account number on your check.
|Personal Installment Loans Address for regular mail payments:
PO Box 747066
Pittsburgh, PA 15274-7066
Personal Installment Loans Address for overnight mail payments: c/o PNC Bank
500 First Ave
Pittsburgh, PA 15219
Personal Lines of Credit
Address for regular mail payments:
PO Box 747032
Pittsburgh, PA 15274-7033
- Log in to Online Banking
- Click the Transfer Funds tab and choose PNC Accounts and Payments.
- Select a 'From' account. If you're making a payment from a non-PNC account, you'll need the bank routing number and account number to add the external account.
- Select your Personal Loan or Line of Credit as the 'To' account.
- Enter your payment options and schedule your payment.
- Select Recurring Monthly to set up recurring payments.
Automated payments are set up through the Automated Payment Program managed by PNC. Your monthly payment is automatically drafted from your PNC or non-PNC checking or savings account each month and applied to your PNC loan or line of credit as the payment due date. To sign up for automated payments, you will need to complete, sign and return the Automated Payment Authorization Form to the fax number or mailing address listed on the form, or to a PNC branch.
Recurring payments are set up by you directly through PNC's Online Banking. You can schedule a recurring payment to your PNC loan or line of credit from with a PNC or non-PNC checking or savings account by clicking Make a Payment from your account activity page. With PNC Online Banking, you have the ability to manage, change or cancel your reccurring payments at any time.
You can request to suspend or cancel your automated payment as long as your contact us at least three (3) business days before your next payment due date. Please call us at 1-888-PNC-BANK (1-888-762-2265) or visit the nearest PNC Branch.
Suspending your automated payment is a temporary option which will allow you to stop your automated payment for one month. You are still responsible for making your payment on time to avoid late fees. When you suspend your automated payment, you must make your monthly payment manually to keep your account current and allow automated payments to resume the next month.
If you chose to cancel your automated payment service, you will be responsible for making on-time payments once the automated payment has been removed from your account. Any applicable interest rate discount for automated payments will be lost, which means that your monthly payment may increase since additional interest would be charged.
You can review your payoff information for your loan through Online Banking. Once you have signed onto Online Banking:
- Select your loan account from the My Accounts Summary page.
- You will be sent to your Account Activity page.
- From your Account Activity page, you should find information regarding your loan payoff. There are some circumstances where payoff information will not be displayed. For those types of accounts, you will be directed to call us at 1-888-762-2265.
- In order to close your Personal Line of Credit after payoff, please contact us at 1-877-CALL PNC or visit your local branch.
See how extra payments impact your loan or line of credit.
Use this calculator to see how extra payments can save you interest. You can see how much interest you'll pay, the difference extra payments can make and the amortization schedule of your existing Loan or Line of Credit versus a Loan or Line of Credit with added payments.
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Understanding your options.
Unexpected events may impact your ability to make your Personal Loan or Line of Credit payments. We understand and we're ready to help discuss how you can get back on track.
Life changing events impacting your finances can occur. A few examples to consider are the following:
- Are you unemployed?
- Have you had a reduction in your income?
- Does illness or injury prevent you from making your loan payments?
- Has divorce affected your ability to make loan payments?
- Has any other unexpected life event affected your ability to make your loan payment?
The first step is to contact us to discuss your personal situation. This will allow us to provide you with the right repayment options to meet your needs and get you started on an assistance plan that’s right for you and your family.
If you are having trouble making payments call: 1-888-762-2265
Can't find what you're looking for? Get in touch with our Customer Care team.
Online bill pay is a free service within PNC Online Banking that is available for residents within the US who have a qualifying checking account. We reserve the right to decline or revoke access to this service. Payments to billers outside of the United States or its territories are prohibited through this service. Tax payments, payments to settle securities transactions, and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk.
Your use of the Voice Banking service, with the entry of your PIN, is your authorization for PNC Bank to initiate a payment via an ACH debit or other electronic entry to the designated account. Your payment cannot be canceled after you have submitted it.
Credit is subject to approval. Certain restrictions may apply.
The Personal Line of Credit product is only available in the following states: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, OH, PA, SC, TX, VA, WI and WV. Certain restrictions apply for MA, NY, CT and TN. Contact us at 1-877-CALL-PNC (1-877-225-5762) to confirm product availability in your state.
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Bank deposit products and services provided by PNC Bank, National Association. Member FDIC