Personal Lending

Important Information About Rates and Fees

Personal Unsecured Installment Loan Annual Percentage Rates (APRs) shown are for the displayed loan amount and repayment term. Loan amounts range from $1,000 to $35,000 and repayment terms range from 6 to 60 months. Rates may vary by loan amount and repayment term. APRs for loans amounts from $1,000 to $35,000 with repayment terms from 6 to 60 months currently range from 7.24% to 29.99%.

Personal Line of Credit Annual Percentage Rates (APRs) shown are for variable-rate lines of credit for the displayed line amount. Line amounts range from $1,000 to $25,000. Rates may vary by line amount. Variable APRs for line amounts from $1,000 to $25,000 currently range from 11% to 21.40%. The APR will never be more than 24.00%. Annual Fee: The annual fee is $50.00.

The displayed rates are available to well-qualified applicants. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan or line amount, repayment term (for an installment loan), current variable-rate index plus a margin (for a line of credit), PNC relationship, automated payment from a PNC checking account and number of days to first payment.

APRs include 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%.

Credit is subject to approval. Certain restrictions and conditions apply. Rates are effective as of 9/1/2021. Rates, terms and conditions are subject to change at any time. For more information, visit Personal Loans & Lines of Credit on

Monthly Payment Examples: Payment amounts displayed are estimated. Actual payment may vary based upon factors such as the APR, loan or line amount, repayment term (if a loan), and the current variable rate index (if a line). For the line of credit, if the index increases or decreases, the line rate and payment would vary accordingly.


How the Personal Line of Credit Payment is Calculated:

Interest is computed on the average daily balance outstanding during each billing cycle.

The Minimum Monthly Payment during each Billing Cycle will be the greater of: (i) $25.00; or (ii) any unpaid Annual and other fees, if applicable (but not including Late Charges), plus 2.5% of the ending balance reflected on the billing statement. Any amounts past due will be added to the Minimum Monthly Payment.

Minimum Monthly Payment Examples
Based on a credit advance of $25,000 at an APR of 11.00%, the repayment time period and minimum monthly payment to pay off the $25,000 advance would be as follows:

36 months at a payment of $818.47
48 months at a payment of $646.14
60 months at a payment of $543.56

These examples assume no additional credit advances, timely monthly payments and the rate remains 10.50% during the stated repayment period. The actual payment amount will be based upon factors such as the outstanding credit balance and rate in effect during the billing period. The APR on the Personal line of credit is variable; therefore, the payment amount will increase or decrease as the rate increases or decreases.

NOTE: For the Personal Unsecured Installment Loan, loan proceeds cannot be used to pay for post-secondary educational expenses or to refinance student loan debt. For student loan & refinancing options, visit

Important Legal Disclosures & Information

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