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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.
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 |
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]
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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. Loan Proceeds: 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.
2. Personal Unsecured Installment Loan Annual Percentage Rates (APRs): APR of 11.69% is available for well-qualified applicants for personal unsecured installment loans in amounts from $15,000 to $20,000 with a 36-month repayment term. Rates may vary by loan amount and repayment term. Loan amounts range from $1,000 to $20,000 ($10,000 in California) and repayment terms range from 6 to 60 months. APRs for loans amounts from $1,000 to $20,000 with repayment terms from 6 to 60 months currently range from 11.69% to 30.00%.
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, and number of days to first payment.
Loan Payment Example: For a $1,000 loan with a 36-month term at the highest APR of 30.00%, you would make 36 monthly payments of $42.45, for a total payment of $1528.26. This repayment example at the stated APR assumes 30 days to first payment, and that all payments were made on time, with no prepayments. Your actual payment will be determined based upon factors such as the approved loan amount, repayment term and APR.
Rates, terms and conditions are as of 2/1/2023 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.
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. Loan Proceeds: 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.
Personal Installment Loan Details: PNC offers loan terms from 6 to 60 months. Your APR will not exceed 30.00% and lower rates are available to qualified applicants. Please refer to the “Get Rates” tool for more detailed rate options.
Loan Repayment Example: For a personal loan of $1,000 with a 36-month term at 13.74% APR, you would make 36 monthly payments of $34.05, for a total payment of $1,225.85. This repayment example at the stated APR assumes 30 days to first payment, the borrower set up automated payments from a PNC checking account for the life of the loan, and that all payments were made on time, with no prepayments. Your actual payment will be determined based upon factors such as the approved loan amount, repayment term, and APR.
The APR in the above loan repayment example includes 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%.
Rates, terms and conditions are as of 2/1/2023 and are subject to change at any time.
*Check Personal Installment Loan 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.
