Personal Loan Annual Percentage Rates (APRs) displayed in the results of the calculator are the lowest current rates for the loan amount entered and the repayment terms that may be options to consider. APRs for loan amounts from $5,000 to $35,000 with repayment terms from 12 to 60 months currently range from 6.99% to 25.29%.

Lowest rates are available to well-qualified applicants and the rates available, including the lowest available rate, will vary based on loan amount and term. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan amount, repayment term, PNC relationship including your history and use of PNC demand deposit accounts, 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%.

Loan Payment Examples: Payment amounts displayed in the results of the calculator are estimated. Actual payment may vary based upon factors such as the APR, loan amount and repayment term.

Loans are subject to credit approval. Certain restrictions and conditions apply. Rates, terms and conditions are as of 8/27/2026 and subject to change at any time.

Personal Loans are currently not available in FL. For more information about the Personal Loan, including rate ranges by loan amounts and repayment terms visit Personal Loans on pnc.com

Debt Consolidation: Debt consolidation combines multiple debts into a new loan with a single monthly payment. Impacts of consolidation on your rate and/or payment will depend upon the terms and conditions of your current loans versus those of a consolidation loan. You may be able to obtain a lower rate, lower payment or pay off debt faster. Reductions in your monthly payment could come from a lower interest rate, a longer repayment period or a combination of both. By opting to repay the debt over a longer period, you may pay more in interest over time. Contact us to discuss the option that best meets your needs. NOTE: For the PNC Personal Loan, customers are responsible for paying creditors directly with loan funds to pay down their debt.

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