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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, pay for unexpected expenses and more.[2]

Whether you want a line of credit or a personal loan, PNC can help find the best option for you.

Need help choosing?

Learn about the available options.


Check Current Personal Loan Rates*

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


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

  • Decide how much to borrow, up to your approved credit limit
  • Access your line of credit when you need to by writing a check or transferring money to your checking account
  • Credit line with a variable rate and no collateral required
  • No prepayment penalty
  • Continuous draw period
  • Apply by phone or at a branch
  • Minimum monthly payment required[3]

 



Borrow for today's needs or for tomorrow's plans - using your PNC Investments account as collateral

  • Get quick access to cash when you need it
  • Keep your investment strategy in place
  • No application or set up fees
  • Pay interest only on the portion of the line of credit used[5]

 



Estimate the cost of a home renovation with PNC's home improvement calculator.


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PNC product and feature availability varies by location. By using your zip code, we can make sure the information you see is accurate.
If your zip code above is incorrect, please enter your home zip code and select submit.

 

 

Important Legal Disclosures and Information

  1. Credit is subject to approval. Certain restrictions and conditions apply.

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

  3. The Minimum Monthly Payment during each billing cycle will be the greater of $25 or the sum of any Interest Charges. In no event will the Minimum Monthly Payment be greater than the entire outstanding balance on the account.

  4. Through your Investment Line of Credit you can borrow up to 50% of the value of the eligible assets in your PNC Investments account. Credit is subject to approval. Certain terms and conditions apply.

  5. The Minimum Monthly Payment during each billing cycle will be the greater of $45 or the sum of any Interest Charges. In no event will the Minimum Monthly Payment be greater than the entire outstanding balance on the account.

*The Personal Installment and Personal Line of Credit rates displayed upon clicking “Get Rates” include a 0.25% for setting up automatic payment from a PNC Checking account at loan closing. Displayed rates are available to well-qualified applicants. You actual APR may be higher and will be based upon multiple factors. See "Important Disclosures" for more details.

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

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.