Home Equity Loan

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A Home Equity Loan[1] is a loan secured by a primary or secondary residence that provides homeowners the ability to borrow a single lump sum against the available equity in their home.

Key Features and Benefits

  • Payment Stability: Get the added security of fixed monthly payments over the life of your home equity loan
  • Flexibility: Home Equity Loan terms available up to 30 years*
  • Access to Funds: Receive your funds upfront in one lump sum
  • Fees and Costs: No application fee and minimal costs at closing
  • Tax Benefits: The interest you pay is typically tax deductible[2]

Check Home Equity Rates

Check rates* in your area                      CHECK RATES

*View important rate related disclosures in your area

Run a Home Equity Savings Scenario

Home Equity Savings Calculator »

Thank you for selecting PNC Bank for your financial needs. At this time, our online Home Equity Installment Loan application is being updated and is unavailable.

Please stop by your nearest PNC branch or call 1-877-CALL-PNC (1-877-225-5762) during the hours of 7AM-10PM EST Monday-Friday or 8AM-5PM EST Saturday-Sunday if your collateral property is located in the following areas: Alabama, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, Wisconsin, or West Virginia.

If your collateral property is located outside of these areas, please call 1-888-533-5363.

We apologize for this inconvenience.

Additional Information

Ways to Apply

By phone

Call 877-535-6319
Mon - Fri: 7am - 10pm ET
Sat - Sun: 8am - 5pm ET

In person at a branch 

Complete your saved loan application »

Need Help?

Call 800-762-5684
Mon - Fri: 7am - 10pm ET
Sat : 8am - 5pm ET

Calculators & Tools

Home Equity Savings Calculator »
View home equity rates and payments »
How large a line of credit can I obtain? »
Tax Savings Calculator »

Important Legal Disclosures and Information

  1. Credit is subject to approval.

  2. Consult your tax advisor.

  3. 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.