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No Prepayment Penalty
No origination or application fees.
Unsecured Personal Installment Loan
A Personal Unsecured Installment Loan provides you access to the money you need without using your property as collateral[1]
Apply Now
Unsecured Personal Loan
An Installment Loan with No Collateral Required
A Personal Unsecured Installment Loan provides you access to the money you need without using your property as collateral.[1]
Apply Now
Call 1-877-CALL PNC, or
Check Current Personal Loan Rates*
Choose Your Amount
Loan amounts between $1,000 and $20,000.
No Collateral Required
No collateral required for unsecured loans.
Fixed rate as low as
5.99% APR[2]
And ranging up to 28.74% APR
Rate based on 36 month term and minimum loan amount of $15,000.
Rates may vary by loan amount and term.
Rates include a 0.25% interest rate discount for automated payments from a PNC checking account.
No Prepayment Penalty
No origination or application fees.
Choose Your Amount
Loan amounts between $1,000 and $35,000.
No Collateral Required
No collateral required for unsecured loans.
The Unsecured Personal Loan at a Glance
Trusted for 160 Years
PNC offers solutions that can help you confidently navigate your finances during any phase of life.
Let us help you gain the confidence you need to make important financial decisions for you and your family.
Setting up, funding and accessing your funds is simple and safe:
| Minimum Loan Amount | $1,000 |
| Maximum Loan Amount | $20,000 |
| California - Maximum Loan Amount | $10,000 |
| Collateral | None |
| Terms Available | Various repayment terms available |
| Rate | Fixed |
| Payment Frequency | Monthly |
| Prepayment Penalty | No |
| Application Fee | No |
| Origination Fee | No |
The Personal Installment Loan at a Glance
| Minimum Loan Amount | $1,000 |
| Maximum Loan Amount | $35,000 |
| Collateral | None |
| Terms Available | Various repayment terms available |
| Rate | Fixed* |
| Prepayment | No prepayment penalty |
| Payment Frequency | Monthly |
How to Apply for a PNC Personal Installment Loan
It's easy to apply and here's what you'll need to quickly complete the application:
- Applicant’s full legal name, social security number and date of birth
- The dollar amount that you would like to borrow
- One form of photo ID (driver's license, state-issued ID or US passport)
- Previous address, if at current address less than two years
- Your annual income and any other income to be considered
If you are applying with a co-applicant, you will need their:
- Annual income and any other income to be considered
- Current Employer
Servicemembers Civil Relief Act (SCRA)
The SCRA provides financial relief and protections to eligible servicemembers and their dependents. PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.
To find out more, please contact us at:
Phone: 844-PNC-SCRA (844-762-7272)
Fax: 855-568-4532
Email: Servicemembers@pnc.com
PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland OH 44101-0570
Apply for a Personal Installment Loan[1, 3]
Get Started Online
Need Help?
Monday - Friday: 9 AM ET - 9 PM EST
Saturday: 10 AM ET - 5 PM EST
Sunday: 10 AM ET - 5 PM EST
Apply for a Personal Installment Loan Today![1]
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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. Annual Percentage Rates: Annual Percentage Rates (APR) of 6.39% available to well-qualified applicants for personal unsecured installment loans in amounts from $1,000 to $20,000 with a 36-month repayment term. The lowest rates are available to well-qualified applicants. 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 and number of days to first payment. APRs for loans in amounts of $1,000 to $20,000 with a 36-month repayment term range from 6.39% to 16.39%. Rates within this range for this repayment term may vary based on loan amount. Other repayment terms available. Rates may vary and be higher than this range based on repayment term and loan amount. Minimum loan amounts may vary by repayment term.
Loan Payment Example: The monthly payment per $1,000 borrowed at a range of 6.39% APR to 16.39% APR for the featured term means you would make 36 payments that may range from $30.60 to $35.35 based on 30 days to first payment.
Rates, terms and conditions are as of 8/6/2021 and are subject to change at any time.
3. Credit Inquiries: By accessing “Check Loan Options & Rates” you will be asked to provide some basic information in order to check loan options and corresponding rates that may be currently available. A soft credit inquiry will be utilized to determine if loan options are available. A soft inquiry does not impact your credit score. If you decide to apply for a loan, additional information will be required. Upon submission of an application, a consumer credit report will be requested in connection with your loan request. This credit report request is referred to as a hard inquiry. A hard inquiry may impact your credit score.
4. Loan proceeds cannot be used to pay for post-secondary educational expenses or to refinance student loan debt. For student loan & refinancing options, visit pnconcampus.com.
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.
Important Legal Disclosures and Information
1. Credit is subject to approval. Certain restrictions and conditions apply.
2. Annual Percentage Rates: Annual Percentage Rate (APR) of 5.99% available to well-qualified applicants for personal unsecured installment loans in amounts of $15,000 to $35,000 with a 36-month repayment term. The lowest rates are available to well-qualified applicants. 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, automated payment from a PNC checking account and number of days to first payment. APRs for a loan amount of $15,000 to $35,000 with a 36-month repayment term range from 5.99% to 28.74%. Rates within this range for this repayment term may vary based on loan amount. Other repayment terms available. Rates may vary and be higher than this range based on repayment term and loan amount. Minimum loan amounts may vary by repayment term. 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 Example: The monthly payment per $1,000 borrowed at a range of 5.99% APR to 28.74% APR for the featured term means you would make 36 payments that may range from $30.42 to $41.76 based on 30 days to first payment.
Rates, terms and conditions are as of 9/1/2021 and are subject to change at any time.
3. Loan proceeds cannot be used to pay for post-secondary educational expenses or to refinance student loan debt. For student loan & refinancing options, visit pnconcampus.com.
*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.
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.
