Personal Loans
From PNC Bank

A Personal Loan or Line of Credit[1] will provide you access to the money you need to accomplish your goals.[2]

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Check Current Personal Loan Rates*

The Personal Unsecured Installment Loan and the Personal Line of Credit are available in select states.[1]

Explore Personal Loans & Lines of Credit

Personal Installment Loan[1][3]

Borrow money and pay it back through regular monthly payments.

Personal Line of Credit[1][3]

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

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  Personal Installment Loan Personal Line of Credit
Loan Limit
$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 Continuous draw period
No Prepayment Penalty
Collateral Needed None None
Get Started Start an Application Online
Unsecured Personal Loans
Personal Line of Credit

Credit Card Consolidation Loans

You could pay off high-interest debt & pay less, with manageable monthly payments.

Combine all your debt into one monthly payment with a loan that has a lower interest rate. No Collateral Required.[1]

Credit Card Consolidation

Tools & Resources

Estimate the cost of a
renovation project.

Consolidate your Debt
with PNC.

Trouble making

Personal Loans & Lines of
Credit Customer Service

PL Router FAQ Master

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.

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