pnc bank personal loan approval

Umpqua Bank offers several personal loan and line of credit products to fit your specific needs. Learn more about our loan offerings. PNC Bank offers unsecured personal loans from $1,000 to $35,000 and very competitive rates, especially at the lower end of the range. Apply for a PNC Personal Loan · Your name, Social Security number, and date of birth · How much you want to borrow · A photo ID, such as a driver's license or.

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Pnc bank personal loan approval
Pnc bank personal loan approval
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PNC Mortgage Review: Great for First-Time Home Buyers, and More

Top perks

Wide selection of loan options

PNC Mortgage offers a very wide variety of mortgage loans likely to satisfy the needs of most borrowers. Among PNC's offerings are the most popular government-backed mortgages, the standard conventional loan, low-down-payment mortgage options, and specialty loans. The variety is broader than the offerings of many other mortgage lenders.

Low down payment mortgage options

PNC Mortgage offers several home loan programs to help borrowers attain homeownership without a large cash outlay.

  • 80-10-10 piggyback loan: Qualified borrowers can get a 10% down payment mortgage with no PMI. The other 90% of the purchase price is covered by a first mortgage for 80%, plus a home equity line of credit for another 10%.
  • FHA loans: These are loans made by the bank and guaranteed by the Federal Housing Administration (FHA). They require a 3.5% down payment.
  • VA loans: These are loans made by the bank and guaranteed by the Department of Veterans Affairs. There is no down payment requirement. VA loans are for active-duty service members, veterans, reservists, members of the National Guard, and some spouses. Check with Veterans Affairs to see if you qualify.
  • USDA loans: These are loans made by the bank and guaranteed by the U.S. Department of Agriculture for low- to moderate-income borrowers. These loans can only be used for a primary residence in an eligible location, usually rural.
  • PNC community loan: This is a special home loan program unique to PNC. The down payment requirement is 3% and there is no private mortgage insurance (PMI).

Note that low down payment loans tend to come with a higher mortgage interest rate than a conventional mortgage with a 20% down payment.

Medical professionals mortgage

PNC offers a special mortgage to medical interns, residents, fellows, and doctors who have completed a residency in the last five years. The loan must be used for a primary residence, and the maximum loan amount is $1 million. There is no PMI.

Cash grants

Eligible borrowers who qualify based on income limits or location can get a $5,000 grant toward the down payment or to help pay closing costs.

Digital pre-approval

From the comfort of home (or just about anywhere else), using the device of your choice, you can provide basic information about yourself and the loan you want, plus electronically verify income, assets, and employment. PNC's pre-approval is a firm commitment to lend.

Online tools

PNC Mortgage offers very good information, education, and online tools geared toward first-time home buyers and any other borrowers who want to learn more about home loans. It's always a good idea to use a mortgage calculator to see where you stand when you start your home-buying research. PNC offers its own set of interactive calculators on its website to help you figure out the loan size, the home price, and the monthly mortgage payment you can afford. Then you can use PNC's Home Insight Planner to identify the right loan and get ready to apply. PNC's Application Tracker helps you navigate the entire mortgage process, from application to closing. Mortgage rates are also easy to find on PNC's website.

Home equity line of credit

PNC's Choice home equity line of credit (HELOC) could help you access equity at a lower cost than a typical refinance. It's more flexible than a typical HELOC. At PNC, borrowers can lock in a fixed rate on any part of an outstanding balance. A fixed-rate option usually applies to a home equity loan for a set amount. Variable-rate options are typically associated with a line of credit, which gives you access to more cash whenever you need it, up to your limit. Fixed- and variable-rate loan options both have pros and cons, and it may be to your advantage to have this level of control.


PNC Mortgage Review for 2021

PNC mortgage rates

PNC tends to offer low mortgage rates. In 2019, its average rate for a 30-year fixed mortgage was 4.13% — which fell below mega-lenders like Quicken, Wells Fargo, and Chase.

PNC also appears to offer very competitive loan fees.

Average 30-year mortgage rates at major lenders 

Wells Fargo 
Quicken Loans
Average 30-Year Interest Rate, 20191
Monthly P&I Payment*
Median Loan Costs, 2019
Median Origination Charge, 2019

Average rate and fee data were sourced from public rate and fee records required by the Home Mortgage Disclosure Act (HMDA).

*Monthly principal and interest payment based on a $250,000 home price, with 20% down, at each company’s average 30-year interest rate for 2019. Your own rate and monthly payment will vary.

Verify your new rate (Nov 24th, 2021)

PNC refinance rates 

PNC refinance rates should mirror its mortgage rates: near, or a little below average compared to other major lenders.

But remember, your refinance rate depends on your credit score, current loan balance, and other key parts of your applications.

So you’ll have to check personalized refi rates from PNC — as well as a few other lenders — to see how it compares. 

Check your refinance rates (Nov 24th, 2021)

PNC Mortgage review for 2021

PNC says its objective is to reduce the stress, complexity, and anxiety of applying for a mortgage.

The quality of its online tools suggests it’s taking that promise seriously. PNC can make it feel as if you have a knowledgeable friend holding your hand throughout the entire mortgage process.

Meanwhile, many who live on the eastern side of the country will be able to apply for a mortgage face-to-face, in one of PNC’s 2,600 branches.

That said, PNC does get only average customer reviews from J.D. Power survey respondents.

One word of caution: Read your post-application loan estimate from PNC carefully before you decide to accept the offer.

There are suggestions that some people find details in those estimates that weren’t immediately clear from the pre-application information you see online.

Of course, this is a best practice for any lender. Be sure to get multiple loan estimates and then compare them side by side and line by line.

Working with PNC Mortgage

PNC’s online Home Insight service comes in two flavors.

The first is called Home Insight Planner. It lets you input your personal household budget and lifestyle details, and then guides you to the loan that should suit you best.

The second component, Home Insight Tracker, takes over when you’ve made an application.

It has two main functions. First, to help you manage your application and access existing documents and status reports. Second, to upload documents and exchange messages with your loan officer in a secure environment.

If working with a loan officer face-to-face is important to you, service can be a bit hit or miss. PNC has plenty of locations on the East Coast and as far inland as Kansas. But if you live west of there, your options will be limited.

PNC customer service reviews

PNC Mortgage was ranked 8th out of 17 lenders in the J.D. Power 2020 U.S. Mortgage Origination Satisfaction Study.

It scored 838 out of a possible 1,000, which was a bit below the industry average. J.D. Power’s top spot went to Quicken Loans, with a score of 883 out of 1,000.

Mortgage-related complaints at major lenders

Mortgage Originations 2019
CFPB Complaints 2019
Complaints Per 1,000 Mortgages
2020 JD Power Rating
Wells Fargo
Quicken Loans

Along with PNC’s satisfaction scores, we checked its customer complaints using the Consumer Financial Protection Bureau (CFPB) online database, where borrowers can file complaints against lenders.

For PNC, the results in the database look good. It has fewer than one official complaint filed per 1,000 mortgage customers.

Mortgage loan products at PNC

PNC has an especially broad range of mortgage options. It offers conventional mortgages and all the government-backed mortgages (FHA, VA, and USDA).

PNC even has a couple special mortgage programs, for medical professionals and lower-income home buyers.

  • Fixed-rate mortgages (FRM) — Most people opt for FRMs, with terms that last 10-30 years, down payments starting as low as 3 percent, and a rate that never changes
  • Adjustable-rate mortgages (ARM) — ARMs let you fix your rate for an initial period of 1, 3, 5, 7 or 10 years. After that, it will float with markets
  • Jumbo loans — For borrowers that need a loan more than $548,250 but less than $5 million. You can pick an FRM or ARM and choose a term between 15 and 30 years
  • FHA loans — Loans backed by the Federal Housing Administration that let you pay as little as 3.5% down and have flexible requirements for borrowers to qualify
  • VA loans — Loans backed by the Department of Veterans Affairs, with zero down payment available for qualifying service members and veterans
  • USDA “Rural Housing” loan — Affordable home loans with zero down payment, for those buying in rural or suburban areas who have low- to moderate-income 
  • 80/10/10 conventional loan — The 80/10/10 loan consists of a mortgage for 80% of the home’s value, plus a second loan for 10% of the home’s value that acts as part of your down payment. Coupled with a 10% cash down payment on your part, this adds up to a 20% down payment, which means you don’t have to pay for mortgage insurance
  • PNC Community Loan — A low-down-payment, no-PMI loan from PNC that only requires a $500 down payment contribution from the borrower. The rest of the 3% down payment can be gift funds from a family member or acquaintance 
  • Medical Professional mortgage — A no-PMI loan from PNC reserved for medical professionals

PNC also says its mortgages typically come with fees and costs totaling between 3 and 5 percent of the loan value.

The $1,500 closing cost grant from PNC 

If you’re getting a mortgage from PNC, you might be eligible for a $1,500 grant to help with your closing costs. PNC closing cost grants are available on 15- and 30-year loans with fixed or adjustable rates. To qualify, you must either live in a designated “low- to moderate-income” census tract, or have an income that does not exceed 80% of the local median.

Verify your home loan eligibility (Nov 24th, 2021)

PNC mortgage FAQ

Is PNC good for mortgages?

PNC is worth considering for a mortgage if you want a conventional, FHA, VA, or USDA loan. It offers both fixed-rate and adjustable-rate mortgages with down payments starting at just 3% (or 0% for a VA loan). Its rates and fees are at or slightly below average. PNC also has special mortgage programs for medical professionals and lower-income home buyers that are worth looking into if you fit one of those categories.

What does PNC mortgage stand for?

PNC Bank gets its initials from the Pittsburgh National Corporation and Provident National Corporation. PNC was created when these two banks merged in 1983.

What FICO score does PNC use?

PNC requires a credit score of at least 620 to qualify for a mortgage. You’ll likely need a score in the high-600s to 700s to qualify for a conventional loan, while you might qualify for a  government-backed loan (like FHA, VA, or USDA) with a score in the lower 600s.

Is it easy to get a loan from PNC Bank?

From a credit standpoint, it’s not quite as easy to get a loan from PNC as some other banks. For instance, PNC requires a credit score in the mid-600s to get an FHA loan, which typically has the lowest credit requirements. Other banks will approve an FHA loan with credit starting at just 580 (or 500 in rare cases).

Aside from credit score requirements, PNC mortgages are not especially hard to qualify for. You only need a 3% down payment, and PNC even offers special mortgages with no private mortgage insurance for lower-income home buyers. So it’s worth a look if you’re looking for a low-down-payment mortgage and have good credit.

How long does it take to get approved for a PNC loan?

PNC offers digital pre-approval for mortgages. That means it can verify your income, assets, and employment online, so you don’t have to submit physical documents. Digital pre-approval is typically faster than traditional pre-approval methods, though PNC does not say how long it takes to approve loan customers on average.

Where can you get a mortgage with PNC?

NMLS ID: 446303

PNC Mortgage has a very good online presence. Its Home Insight planner and tracker are first-class and can be genuinely useful tools.

That goes for all borrowers, but especially first-time homebuyers who will appreciate a little bit of extra guidance along the way.

PNC bank locations across the U.S.

PNC bank locations are concentrated in the Eastern U.S. Image: PNC

However, not everyone is comfortable making online applications.

If you prefer an in-person experience, and you live in on the eastern side of the country, you may well have easy access to one of PNC’s 2,600 branches. It should be simple for you to set up a face-to-face meeting with a specialist advisor.

Borrowers in the gray-colored states above will have to apply for a PNC mortgage online or over the phone.

Is PNC the best mortgage lender for you?

If you prefer a DIY application and online resources, PNC might be a good mortgage lender for you.

It’s also a convenient choice for East Coast folk who have access to one of PNC’s 2,000+ bank locations.

Either way, it’s important to compare multiple lenders before choosing a mortgage company. PNC’s resources are only as good as the rate it can offer you. The same goes for any lender.

Get started by comparing rates and closing costs from at least three reputable mortgage lenders to find the best deal for you.

Verify your new rate (Nov 24th, 2021)

TD Bank makes unsecured and secured personal loans, and you don’t have to be a member of the bank to apply. However, we only recommend TD Bank for existing customers who have good to excellent credit and want to keep their financial accounts in one place. This is because the rates at TD Bank are high compared to other lenders that require borrowers have good to excellent credit.

TD Bank Personal Loan Review: Should You Apply?

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We think a TD Bank personal loan is the best choice for existing customers of the bank who want to keep their banking and borrowing at one place. While you don’t have to be a bank customer to apply, you may be able to score a lower interest rate elsewhere -- especially because the bank requires a 680 credit score for unsecured loans.

  • Existing TD Bank customers who want to keep their borrowing and banking in the same place
  • Borrowers with good to excellent credit who can get a better deal elsewhere
  • Borrowers with credit scores under 680

For existing TD Bank customers with a checking or savings account, the bank provides a 0.25% APR discount for enrolling in automatic payment from the account. This APR discount is fairly standard across banks that offer personal loans as way to incentivize current customers to stay with the bank for their borrowing needs. While you won’t save a ton through this discount, it can amount to a hundred or so dollars over the life of your loan for doing something very simple. On a $50,000 5 -year loan, for instance, you could save over $70.

While TD Bank has competitive loan amounts and terms, we think the bank falls short with its rates, especially since the bank requires a 680 credit score to qualify for unsecured loans. Rates on unsecured personal loans range from 6.99% and 18.99% with AutoPay. If you’re not an existing TD bank member and you have a credit score of 680 or higher, we recommend checking your rate at other lenders before applying to TD Bank.

Eligibility Criteria

TD Bank requires borrowers have good to excellent credit, which is any FICO score above 680. We look at eligibility criteria below, as well as our recommendations for improving your chances of getting approved.

  • Must be in an area TD Bank serves
  • At least 18 years old
  • Credit score of 680 or higher for unsecured loans

TD Bank mainly serves the East Coast, including New York, New Jersey, Pennsylvania, Virginia, Florida, Maryland and Washington, D.C.

TD Bank Personal Loan Terms and Requirements

TD Bank makes both secured and unsecured personal loans. You can also opt to take out an unsecured personal line of credit if you want more flexibility.

Unsecured Personal Loan Terms and Requirements

You can borrow between $2,000 and $50,000 with terms from 1 to 5 years. TD Bank also offers an express version of its unsecured loan, allowing you to apply for up to $15,000 with funds in as fast as two days.

APR Range6.99% - 18.99% with AutoPay
  • No origination fee
  • Late payment fee: Lesser of 5% of minimum payment due or $10
  • No NSF/returned payment fee
  • No check processing fee
  • No prepayment penalty
Loan Terms1 to 5 years
Repayment OptionsMonthly
Direct Payment to CreditorsNo

Unsecured Personal Line of Credit Terms and Requirements

If you want more flexibility, the bank also offers an unsecured personal line of credit with long terms.

APR Range10.50% - 15.50% with AutoPay
  • Annual fee: $25
  • Late payment fee: Lesser of 5% of monthly past due or $10
  • No NSF/returned payment fee
  • No check processing fee
  • No prepayment penalty
Loan Terms10 year draw period followed by 10 year repayment period
Repayment OptionsMonthly
Direct Payment to CreditorsNo

Secured Personal Loan Terms and Requirements

For borrowers who need more than $50,000 , the bank makes secured loans up to the value of your TD deposit account with terms from 1 to 5 years.

APR Range7.92% variable rate
  • Origination fee: $50
  • No late payment fee
  • No NSF/returned payment fee
  • No check processing fee
  • No prepayment penalty
Loan Terms1 to 5 years
Repayment OptionsMonthly
Direct Payment to CreditorsNo

Application Process

You can apply online for an unsecured loan or line of credit, but you may need to visit a branch to sign closing paperwork. If you want a secured loan, you’ll need to call or make a visit in branch.

Time to Get Funds2+ days
Credit CheckHard credit check when you apply
Credit ReportingYes
Cosigners/Co-borrowers Allowed?Yes

When you start the application, you’ll need to select whether you’re applying for a loan or line of credit. You’ll also need to put in your ZIP code and select the closest TD Bank to your location. You’ll then need to provide some information about the loan you’re seeking, including the number of co-applicants, if any; whether you want to enroll in AutoPay; how much you need and how you plan to use the funds. You’ll then need to select the term for your loan (the bank will provide estimates of monthly payments to help your decision).

After completing that portion, you’ll need to provide the bank with personal information, such as your name, address, phone number, birthdate and Social Security Number. You’ll also need to provide information on your employment and annual income, as well as major monthly expenses, such as mortgage or rent payments and other debts. You’ll then be able to submit the application for approval. If approved, you may need to visit the TD branch you selected to sign your closing paperwork. Funding takes at least a few business days.

How Does TD Bank Compare to Other Lenders?

If you’re planning on getting a personal loan, it’s generally recommended to shop around before you commit to one lender. We take a look at some of the other lenders who offer unsecured and secured personal loans.

TD Bank vs. SoFi

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We recommend SoFi over TD Bank that need larger loans with longer terms. SoFi makes unsecured loans up to $100,000 with longer terms up to 7 years. Another thing we like about SoFi is that the company offers other financial products and services, such as mortgages, student loans and wealth management, and provides free career development resources to its members. This includes social events such as networking events as well as one-on-one career coaching for resumes, interviews and more. To be eligible at SoFi, you must be employed full-time or have sufficient income, be the age of majority in your state of residence and be a U.S. citizen or permanent resident. If you want to improve your chances of getting approved, we recommend borrowers have good to excellent credit, several years of employment and a demonstrated ability to save.

TD Bank vs. LightStream

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Like SoFi, we think LightStream is a better choice for borrowers with excellent credit. LightStream offers lower rates, larger loans and longer terms than TD Bank. You can borrow anywhere from $5,000 to $100,000 with low annual percentage rates that vary by loan purpose and terms from 2 to 12 years. The lender is also great for fee-conscious individuals as there are no origination fees, late fees, check processing fees or prepayment penalties. LightStream looks for borrowers with good to excellent credit, several years of credit history and a variety of account types, a demonstrated ability to save and a low debt-to-income ratio. LightStream is a division of SunTrust Bank and is available in all 50 states.

TD Bank vs. PNC Bank

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You also don’t need to be a member to apply at PNC Bank, and this lender has better rates on unsecured and secured installment loans -- but the loan amounts are lower. Like TD Bank, you can apply for an unsecured personal loan or line of credit or a secured loan. Rates start at 5.99% for unsecured loans and 3.99% for secured loans (rates for the line of credit are variable and based on the Prime Rate). You can borrow up to 5 for unsecured loans and lines and up to 15 for secured loans. Terms range from 0.5 months to 5 years on unsecured loans and up to 15 years on secured loans. Terms for the line of credit are flexible. PNC Bank also offers qualifying customers a 0.25% AutoPay discount, so it can be a good option if you already have an account with the bank. You can apply online for unsecured loans, and by phone or in person for secured loans. For either product, you need to live in an area PNC Bank serves, which is primarily the East Coast and the South.




Check balances & recent transactions – See current account activity for your checking, savings, credit card and loan accounts.

Protect your accounts – Set up Touch ID or Face ID to securely sign on to the app. Or, reset your password quickly and conveniently if you need to.

Send money with Zelle® – Send money simply, to people you know and trust (i) using your
mobile number or email address.

Transfer funds – Transfer funds between eligible PNC accounts and external bank accounts (ii).

Make deposits – Deposit checks quickly and easily with your iOS device (iii).

Pay bills – Add your bills and make one-time or recurring bill payments right from the app.

Manage your cards – View and manage your PNC credit, debit and SmartAccess® cards and make in-store payments with Apple Pay right from the app.

Lock your cards – Easily lock or unlock your PNC debit card or credit card if you misplace it.

Locate PNC – Locate the nearest PNC ATM or branch using our location services, or search by zip code and street address.

If you have Virtual Wallet®, you’ll have access to more tools and insights to help you work toward your financial goals.

See what’s free to spend – Your Scheduled Out subtracts known bills and expenses from your available checking account balance to show you what’s free to spend, which we call your Free Balance. You’ll also see potential Danger DaysSM, which is when your account is at risk of being overdrawn.

Visualize your money – Use Money Bar® to see how much is available to spend with your Free Balance, what you’ve scheduled for bills and how much you’ve set aside for goals.

Know your activity – Use the Calendar to see upcoming paydays and payments, and view a history of your transactions. You can pay bills, schedule bill reminders, track external payments, view potential Danger Days and more.

Track your spending & set budgets – See where you're spending your money with categories like restaurants, gas and more. Then, create budgets to know if you’re staying on track.

Make saving easier – Create savings goals to work toward your goals and keep track of your progress along the way. Set up automatic rules to regularly transfer money to your savings, like once a week or when you receive a paycheck. Make saving fun using your personalized piggy bank to transfer money to your savings.

With PNC’s Security and Privacy, you can be confident that your personal and financial information will be protected while using our app.

(i) Zelle should only be used to send or receive money with people you know and trust. Before using Zelle to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle offer a protection program for authorized payments made with Zelle. Zelle is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users.

If the recipient has not enrolled, the payment will expire after 14 calendar days.
(ii) There are limits to the number of transactions you can make from a savings or money market account per month.
(iii) PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement. Virtual Wallet, PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc. ©2020 The PNC Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Version 4.24

Thank you for using PNC Mobile. This update includes enhancements to Bill Pay and Zelle.

Ratings and Reviews

4.8 out of 5

1.1M Ratings

So sad

The PNC banking part is great a little slow yet saves me time from running back & forth to the bank on one hand now on another note, ever since they linked my Zelle account to my PNC my Zelle receiving and sending has been giving me major issues which results in me having to once again go back & forth to the bank with an edition to the Post Office got money orders, stamps, & envelopes so now I’m spending more in gas, as well as getting the money to it’s destination. I call for a representative one even told me call Zelle it’s not in their end that the message I received says failed to send so I call then Zelle ask me why they directed me to cAll them being they have control over the account since it’s linked to the PNC, nevertheless the funds I sent is taken out my PNC and won’t return until I believe it said 3 business days. Another PNC rep said delete the app then try to download it again hmmm ok nope that didn’t work neither. So bottom line I’m Very disappointed in their Zelle merge. I can’t even delete it and make a new account. Thanks for nothing on that merge. Otherwise the PNC itself I do like

Took a step back with last update.

I could give 5 stars for convenience and general reliability. But the last update, while making the app more snazzy, also made it less convenient. Cool new graphics and slick transitions were added. Looks cool guys. But takes longer to load each page. I don’t need to be entertained by my banking app - just need to make an online deposit or pay a bill. Here’s an example of inconvenient: making a mobile deposit. Lots of sliding around of graphics with every selection I make. I finally get the deposit made and then there’s the confirmation screen. The top 1/3 of the screen contains a blue bar with a giant “+” sign in it. Below that is the deposit information. Where’s the confirm button? Took me a while to figure out I have to scroll down to see it. Maybe a little smaller graphic on top would allow me to see the whole thing on one screen. And maybe instead of all the flashy graphics after every selection (deposit, account, amount...) all that could be on one screen and then the flashy stuff could come after, and just once. Bill pay is much the same. Looks cool but is a waste of time.

Functionally, convenience-wise, reliability-wise — I love having the app and it serves me well. I could just do without all the fru-fru.

Only bank with a good and consistent digital interface

In general, I am very happy that there have been minimal changes to the website and digital interfaces in the 15 years I have been a NationalCity/PNC customer. The interface works well and I have rarely had to think hard about how to navigate menus to get the information I want. Recently, however, when I use this, I feel like I am back in the days of 56k modems where the images for advertisements would load after the rest of the webpage would load and you would accidentally click on something because all of the content would move and an advertisement image would appear right as you were about to click. I thought this practice was long gone from good user interface design, but evidently it is still here every time the COVID relief banner at the top of the app decides to load. Now, every 1 out of 2 times that I try to click on my checking account when I load the main page of the app, I accidentally open a webpage for COVID relief that I have to close. Very annoying. Please keep up the good work of having a consistent user interface design, but also please stop making it so content unexpectedly shifts around right as I am about to click when the main page loads.

The developer, PNC Bank, N.A., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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PNC Bank, N.A.

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© 2021 PNC Bank, N.A.



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Hello, how can we help you?

Benefits of Personal Loans

A reliable, transparent and flexible option to cover some of life’s expenses. PNCU offers options for unsecured loans and secured loans.

  • Fixed rate, fixed term and fixed monthly payment.
  • The ability to borrow from $1,500 to $10,000.
  • Flexible terms – up to 48 months.
  • Easy application and funding process process.

Relationships Built to Last

To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. Subject to credit approval. Other restrictions may apply. Applicants subject to complete underwriting based on program guidelines, not all applicants will qualify.

IMPORTANT NOTICE: We will be closed Thursday, November 25th for Thanksgiving. Wishing everyone a happy holiday.


PNC Bank Personal Loan Review

PNC Bank Personal Loans WebsitePNC Bank Personal Loans Website

The good: PNC personal loans allow you borrow funds at a low minimum (if you don't need to borrow too much) and the interest rates are very low, especially if you have a PNC checking account. Additionally, there are no origination fees or prepayment penalties to worry about.

The bad: To qualify for the best rates, you're going to need an excellent credit score. Plus, the lowest rates apply to larger balances starting around $15,000.

The bottom line: PNC personal loans are great, low-cost options for most people, especially those who don't want to borrow too much.

As the 6th largest bank in the U.S. (by deposits), PNC Bank is likely to be on your list of options when you're looking for a personal loan.

Whether you need to fund home improvement projects, consolidate other debts, or pay for some other expense, a personal loan from PNC can help you in a financial crunch.

With that said, there are key factors of every personal loan that you should consider before applying.

In this review, we've broken down PNC's personal loans so that you can see the whole picture clearly.

Learn everything you need to know about PNC’s loans.

Low Borrowing Minimum and Multiple Terms

PNC allows you to borrow as little as $1,000 or as much as $35,000. Of the biggest U.S. banks, PNC has the lowest borrowing minimum.

This is an advantage for people who only need a small amount to get by -- taking out a larger loan is unnecessary and could lead to dangerous spending.

PNC Bank Personal Loans Pros & Cons

  • Low borrowing minimum
  • Rate discount available
  • No prepayment penalty
  • Likely to require good to excellent credit
  • Borrowing limit isn't too high

With a loan from PNC, you can choose a term of 1, 2, 3, 4, or 5 years.

Which terms you can get approval for depends on the amount you’ll be borrowing and your credit score.

Shorter term loans come with higher monthly payments but lower interest.

That means you’ll pay less in total for the loan. Longer term loans have lower monthly payments, but higher interest. That means you’ll pay more over the course of the loan.

Your goal should be to strike a balance between a monthly payment you can handle and the lowest total loan cost.

Choosing the right term is very important when you apply for a loan -- you pay the least possible without stretching your budget too thin.

PNC Personal Loan Calculator

Credit Score and Income Needed

PNC does not state any minimum income or credit requirements to qualify for a loan.

Instead, you’ll have to prove to PNC that you’ll be able to pay the loan off.

While a higher credit score and higher income will certainly improve your chances, there is no minimum for either.

However, we've reviewed many personal loans and based on the interest rates offered by PNC, you're likely to need good credit for the best chances of approval.

We can estimate this because an APR range that is on the low end (compared to personal loans from competitors) usually requires better credit scores. And, PNC's interest rates are rather low.

Fees and How Long It Takes to Get the Money

PNC bank does not charge an application fee or origination fee on its personal loans.

That’s a good thing because it means you pay less over the life of the loan. You also won’t pay a fee to pay the loan off early.

If you find a windfall and can pay the loan in full, there’s nothing stopping you.

The one fee to worry about is the late payment fee of $36. If you’re never late on a payment, you won’t have to worry about this either.

When you apply for a loan, the whole process takes 10-15 minutes.

Depending on the specifics of your application, you’ll get an immediate decision, or will have to wait for one.

Once your loan is approved, the money will arrive in your account within a few days.

Get an Interest Rate Discount for Setting Up Automatic Payments

One major perk of a PNC loan is that current PNC customers are that they can save some money by setting up automatic payments.

If you link your existing PNC checking account and set up the payments, you’ll get a 0.25% rate discount.

This benefit can add up to hundreds of dollars saved over the course of the loan.

How to Get Approved

Once you’ve decided to apply for a personal loan, you’ll need to figure out how to get approved for a loan. The first step towards getting approved is actually applying.

When you apply for a loan at PNC, you can apply in-person, online, or over the phone. However you apply, you’ll need to provide some information, including:

  • Name
  • Address
  • Date of birth
  • Proof of identity, such as a driver’s license
  • Social Security number
  • Annual income
  • Proof of income, such as bank statements or pay stubs
  • Verification of employment

PNC uses this information to make a lending decision.

Though it may sound difficult to get the information and paperwork together, it’s important to gather as much as you can.

Providing a lender with as much information as possible gives you the best chance of getting approved for a loan.

If a lender has any questions, it will, at best, delay approval. At worst, you could be denied the loan.

Improving Your Chances of Getting Approved for a Personal Loan

There are a few things that impact your chances of getting approved for loans, personal or otherwise. These tips will help you maximize your chances.

Increase Your Credit Score

The most obvious thing to do is to increase your credit score.

Your credit score impacts all aspects of your ability to borrow money, from the amount you can borrow to the interest you’ll have to pay.

Your credit score is a numerical representation of your financial trustworthiness.

The higher your score, the more likely you are to pay your debts. The lower it is, the more likely you are to default, causing a lender to lose money.

To improve your credit score, the best strategy is to make on-time payments over the course of months and years.

Unfortunately, when you need a personal loan, you usually don’t have that long to wait.

There are some short-term tricks to give your score a boost.

One thing you can do is decrease the amount of money you owe. The more you owe, the riskier it is for someone to lend you money.

Stop using your credit cards in the month before you apply for a loan.

Also, try to make extra payments on your existing loans. That can give your score a boost in a pinch.

Another trick, if you know you’ll be needing a loan in the near future, is to avoid applying for new credit cards in the lead up to applying for the loan.

Every loan application temporarily drops your score by a few points. Plus, getting new accounts will reduce your average age of accounts, dropping your score further.

Reduce Your Debt-to-Income Ratio

Another thing to do is to reduce your debt-to-income ratio.

This ratio is the amount you owe, divided by how much you make in a year. The lower this ratio, the easier it will be for you to pay off any new debts you take on.

One way to do this is by increasing your income. This can be difficult, but you can try finding a side-job or working towards a raise or promotion at work.

If you do opt to find a side-job, make sure you can prove the income to the lender. If you can’t prove that your side-job is producing income, the lender won’t take it into account.

The better route is to reduce your existing debt. Try to avoid using your credit cards before applying for the loan, and send any extra cash towards existing debts.

This has the additional benefit of improving your credit score, giving your chances an even bigger boost.

How Does It Compare?

PNC isn’t the only bank that offers personal loans. You should take the time to shop around and find the best option for you.

When you’re comparing loans, consider these factors:

Look at the interest rate

Lower rates mean lower payments and a lower total cost of the loan. Find the lowest rate you can, so long as it isn’t at the expense of other, essential features.

Pay attention to fees

Some loans charge origination fees which are tacked onto your initial debt.

So, if you borrow $10,000 and pay a 2% origination fee, your first bill will show a balance of $10,200, plus interest. The lower the origination fee you can find, the better off you are.

Make sure the lender offers a loan term that’s right for you

Some lenders specialize in loans that have a short term.

Other lenders will offer loans with repayment plans that last 5, 6, or 7 years.

Remember to strike a balance between a monthly payment that you can manage and a low total cost of the loan.


PNC is a major national bank that offers flexible personal loans to its customers.

It is good for those who are looking for a small personal loan. But, you're likely to need great credit to qualify.

If you don't have good credit or need a larger personal loan, the other lenders showed above are much better options.

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5 Replies to “Pnc bank personal loan approval”

  1. Mam APY mai subscribe karne ka eligibility kya hai. agar kisi ka PF kat ta hai to wo iska benifit le sakta hai??

  2. While adding money at Paytm showing error every other option

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