Credit is subject to approval. Certain restrictions and conditions apply.
Check Current Personal Loan Rates*
Compare Personal Loan & Line Products
|Personal Installment Loan||Personal Line of Credit|
||$1,000 - $35,000
||$1,000 - $25,000
California maximum line amount: $5,000
|APR*||Fixed Rate||Variable Rate, based on Wall Street Journal Prime Rate|
|Access to Funds||One-time, lump sum||Continous draw period|
|No Prepayment Penalty
|Get Started||Start an Application Online
Unsecured Personal Loans
Personal Line of Credit
Tools & Resources
Frequently Asked Questions & Answers
A personal loan is a term loan with a fixed interest rate that is disbursed in a lump sum, while a personal line of credit allows you to borrow as many times as needed, up to your limit, with a variable interest rate. Neither personal loans nor lines of credit require collateral.
Interest paid on personal loans is not tax deductible. Consult a tax advisor regarding your specific situation.
After you apply, you’ll get a decision within a few days. If approved, you can go to a branch to sign your loan documents and immediately receive your funds. Allow additional time if you choose to request your loan documents by mail.
After you apply, you will get a decision within a few days. If your application is approved and you require no immediate funds, there is a 15 day hold on your line of credit until you are able to utilize your funds. If you select yes to immediate funds in your application, then closing in a local PNC branch is required and you will receive access to your funds on the day of closing.
Personal Loan Insights
Personal Loan vs. Personal Line of Credit
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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.
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.
*Check Personal Installment Loan and Personal Line of Credit Rates: APRs that will display include a 0.25% discount for automated payment from a PNC checking account. The lowest rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors. Refer to “Important Disclosures" under “Get Rates” for more details.
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