PNC Investment Line of Credit

A secured line of credit where you can get quick access to cash while maintaining your investment strategy in your PNC Investments account. 

PNC Investment Line of Credit Rates

Line Amount APR[1]
$25,000 - $249,999.99 3.25%
$250,000 - $399,999.99 2.74%
$400,000 - $600,001+ 2.49%

Reach your financial goals with help from an Investment Line of Credit[1]

A PNC Investment Line of Credit allows you to pay for what you want - a home renovation, consolidating debt or just to cover an unexpected expense.[2]

Quick access to cash

Your PNC Investment Line of Credit can provide you with the money you need for large projects or big ticket items. It's up to you just how you use it!


No set up or application fees

Access to cash is easy. No waiting for cash disbursements, or applying for a new loan every time you need cash. 

Keep your investment strategy in place

Get the cash you need when you need it without withdrawing the money from your investment account. Simply use your eligible PNC Investments account as collateral. 


Pay interest only on the amount used

There's no cost to have access to the cash you need. You'll only pay interest on the amount that you use.[3]

Follow these steps to Apply for an Investment Line of Credit


Use your current Online Banking user ID and password to begin.



Complete the application, then agree to the terms and conditions.



Access your line of credit, typically within 2 business days.


Get Started Now

An eligible PNC Investments account and Online Banking access is required.

Don't have an investment account? Contact a Financial Advisor to learn more »

Enroll in Online Banking »


Frequently Asked Questions

Important Legal Disclosures and Information

1. The Annual Percentage Rate (APR) is a variable rate based on the then-current variable-rate index value plus or minus a margin, depending upon the credit line amount, and the creditworthiness of the borrower. If the variable-rate index increases or decreases, your rate will increase or decrease accordingly. The rate will not exceed 24%. Rates, terms and conditions are as of 5/1/2022 and are subject to change at any time. 

2. Credit is subject to approval. Certain terms and conditions apply. An eligible PNC Investments account and Online Banking access is required.

3. Through your Investment Line of Credit you can borrow up to 50% of the value of the eligible assets in your PNC Investments account. Certain PNC Investments account types, such as retirement, trust, joint, business and margin enabled accounts are not eligible.

4. The Investment Line of Credit is a variable rate loan. 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.

Equal Housing Lender

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