Our Rating: 82%


PNC Bank Personal Loan Review

Loan Amount:
$1,000 - $35,000
Minimum Credit Score:
APRs From:
6.24% - 35.99%
Funding Speed:
Not Specified

Brick and Mortar bank, PNC bank features competitive rates and low rates and fees on unsecured personal loans. PNC allows you to consolidate high-interest credit card debt, fund expensive home improvements or finance any major purchase. Borrowers do not need to have an existing relationship with PNC to get a loan, however, borrowers with a valid PNC checking account can opt into automatic loan payments and receive a discount on their APR.


  • Competitive rates.
  • Quick Loan funding - fund a loan within 2 business days.
  • Option to add co-signer.
  • Available in Texas


  • Fees: charges 10% or $40 late fee, whichever is greater.

PNC Personal Loan Overview

The ninth-largest bank in the U.S. by total assets, PNC Bank offers unsecured personal loans for borrowers looking to consolidate debt, fund home improvements, or cover emergency expenses.

Your approval will depend on your credit score, income, and debt-to-income ratio. According to a PNC representative, these factors are weighed evenly on applications.

While no specific credit score requirements were disclosed, borrowers who qualify will likely need good to great credit. Most of PNC's consumer loan borrowers have a FICO score of at least 650 according to PNC’s 2017 annual report.

To option to add a co-signer is offered by PNC. This will increase approval odds and help you get a lower rate. You must keep in mind, that the co-signer will also be responsible for repaying the loan if you default on your payments.

  • Cost: APRs start at around 9%.
  • Fees:
    • Origination fee: None.
    • Late fee: Greater of $40 or 10% of the amount due, after a 15-day grace period.
    • Prepayment fee: None.
Get Pre-Qualified for a Personal Loan Today
What loan amount would you look to borrow?
Loan Amount $

How to apply for a PNC loan

Applying is simple and can be done through PNC’s website. PNC is unique in the fact that they are a branch bank, so you'll also have the option to visit a physical branch location in person if you are more comfortable with in-person banking. Completing an application will only take around 10 minutes, some of the information you'll need to provide is one form of photo ID and your annual income.

PNC Bank Texas Branch Locations

There are 17 PNC Bank Branches in Texas.
The following is a list of all PNC Bank Texas Branch Locations.
Address: 7300 Dallas Pkwy Suite A140, Plano, Texas 75024
Crockett Row Logo
Crockett Row
Address: 2901 W 7th St, Fort Worth, Texas 76107
Irving Branch Logo
Irving Branch
Address: 8445 N Belt Line Rd Ste 100, Irving, Texas 75063
Hughes Landing Branch Logo
Hughes Landing Branch
Address: 2000 Hughes Landing Blvd Ste F-100, The Woodlands, Texas 77380
Allen Branch Logo
Allen Branch
Address: 829 B West Stacy Road Suite 100, Allen, Texas 75013
Baybrook Branch Logo
Baybrook Branch
Address: 820 W Bay Area Blvd Ste 900b, Webster, Texas 77598
Southlake Solution Center Branch Logo
Southlake Solution Center Branch
Address: 1111 E Southlake Blvd, Southlake, Texas 76092
Denton Branch Logo
Denton Branch
Address: 2310 W University Dr #1540, Denton, Texas 76201
South Fort Worth Branch Logo
South Fort Worth Branch
Address: 3701 Vision Dr Ste 101, Fort Worth, Texas 76109
Sugar Land Branch Logo
Sugar Land Branch
Address: 2171 Texas Dr, Sugar Land, Texas 77479
Katy Branch Logo
Katy Branch
Address: 23501 Cinco Ranch Blvd, Katy, Texas 77494
Medical Center Crossing Branch Logo
Medical Center Crossing Branch
Address: 6603 Main St, Houston, Texas 77030
Alliance Branch Logo
Alliance Branch
Address: 2601 N Tarrant Pkwy, Fort Worth, Texas 76177
HIghland Village Branch Logo
HIghland Village Branch
Address: 3948 Westheimer Rd, Houston, Texas 77027
South Arlington Branch Logo
South Arlington Branch
Address: 4001 Matlock Rd, Arlington, Texas 76015
McKinney Branch Logo
McKinney Branch
Address: 3630 W University Dr, Mckinney, Texas 75071
Mansfield Branch Logo
Mansfield Branch
Address: 3311 E Broad St. Ste. 101, Mansfield, Texas 76063