pnc bank loan phone number

Please visit a PNC branch or ATM for your banking needs or call us at Please send us a private message with your phone number and best time to reach you. The PNC customer service phone number for auto loan payments is 1-888-762-2265. Note that there is a $7 fee to pay your auto loan by phone. online and mobile banking, such as how to transfer money, technical issues and more! Why can't I see or edit my payee's address and phone number?

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pnc bank loan phone number PNC Bank Student Pnc bank loan phone number Refinance Review

Our Rating: C ⓘ (Compare)

Loan Limits$10,000 – $75,000
Fixed Rates3.44% – 6.74%*
Variable Rates2.22% – 5.52% (18.00% Cap)
Terms5, 10 or 15 years
Min. Credit ScoreUndisclosed

*Lowest rates always include a 0.25% rate reduction for enrolling in auto-pay, plus an additional 0.25% for linking autopay to a PNC account (a 0.50% total rate reduction).

Skip to:Rates & Fees Repayment Options

PNC (National City)

National City has been acquired by PNC Financial Services.

Introduction to PNC (National City)

The National City Corporation is a company which was founded in 1845 and which has stood the pressure of many financial ups and down that have taken place in the past years with pride and confidence and which is considered to be one of the largest financial institutions in the United States at the moment. They are totally dedicated to serving its customers on the commercial and retail banking arena, mortgage and financing and asset management. The company is well known by the media as Nat city and it has developed a very good system of advertisement which gives a very good understanding of their services and facilities.

Mortgage Rates

The National City Corporation has a very expansive manner of allowing you the opportunity to understand what the process is that you require in order to get the best mortgage rates. It is important to be able to find how the mortgage process works and whether the customer can actually afford the loan, what are the rates as on today and when is the right time for a person to buy a home. All of this and much more is easily available to the customer in order for them to make the right choice. The banking rates are reasonable and very competitive in the present market situation.


It is very important to understand the benefits of refinancing. The National Bank is giving you a very good understanding of the options that their customers have in case they are looking at refinancing. If a person is paying a fixed amount of loan and if they find the possibility of being able to pay a lower rate of interest for the same house loan, then it may be a very good idea to go for refinancing. Of course, all other costs will have to be taken into consideration and that is where the financial company needs to have the capacity to give the borrower the full picture well in advance.

Home Equity

Being able to offer its customers the best home equity loan rates can be perhaps a very important part of the banking facilities that banks all over the world need to take into consideration at the present moment. People are looking at the different aspects of home loans, like what do they need to apply for a home equity loan and how is this going to affect their present credit balance, what will be the total costs and what are the rates available. The National City Corporation has always been able to have some of the best competitive rates in the market which allow its customers to benefit as much as possible.


PNC (National City) Information

You can easily contact National City Corporation through e-mail via their website at or contact them by phone at 1-800-762-5684. You can also check their locations through the website and contact them personally if you are interested in a more detailed and personal information.

it only takes 3 minutes and it's free!


PNC Bank offers student loans and refinancing along with over a dozen other loan products. One of the nation’s largest banks, PNC also offers consumer and business banking services.

Private student loans
Private parent loans
Federal student loans
Federal Parent PLUS loans (in parent’s name only)

PNC Bank Refinance Rates & Fees

PNC Bank’s fixed rates are between 3.44% and 6.74%. Variable rates are between 2.22% and 5.52%. Lowest rates always include the 0.50% interest reduction for enrolling in auto-pay from a PNC checking or savings account.

TermFixed RateVariable Rate
5 Year3.44% – 5.24%2.22% – 4.02%
10 Year4.69% – 6.49%3.47% – 5.27%
15 Year4.94% – 6.74%3.72% – 5.52%

Additional information about PNC Pnc bank loan phone number refinance rates:

  • Checking your rate with PNC Bank will not affect your credit score. They will conduct a soft, not hard, credit inquiry (learn the difference).
  • PNC Bank does offer a discount for setting up autopay: 0.25% interest rate reduction.
  • Autopay linked to a PNC Bank account activates an additional 0.25% interest rate reduction for a total 0.50% rate reduction.
  • Variable rates are based on the Prime Rate (3.25% as of this writing) as published in the “Money Rates” section of The Wall Street Journal (Eastern Edition) on the first business day of the immediately preceding calendar month plus a margin of -0.53% to 2.27%.
  • Variable rates are capped at 18.00%.

Student Loan Refinancing Calculator

Based on advertised rates, use the calculator below to determine what your new monthly payment and potential savings may be if you refinance with PNC Bank.

Additional Fees

Beyond interest rates, there are a number of fees a refinance lender may charge up-front or during the loan servicing period. Below is a list of these fees that PNC Bank does or does not charge.

Fee TypeAmount Charged
Application FeeUndisclosed
Loan Origination FeeNone
Disbursement FeeUndisclosed
Prepayment PenaltyNone
Late Payment Fee$5 or 5% of overdue amount
Returned Payment FeeUndisclosed
Collection FeeUnspecified
  1. Application fee – fee to apply for rates & approval.
  2. Loan origination fee – fee to create the new loan.
  3. Disbursement fee – fee for distributing funds to lenders to pnc bank loan phone number off loans that have been refinanced.
  4. Prepayment penalty – fee for making extra payments pnc bank loan phone number reduce a refinance loan balance or pay it off early.
  5. Late payment fee – fee for making a late payment.
  6. Returned payment fee – fee for failed payments due to insufficient funds, also known as a “bounced check&rdquo.
  7. Collection fee – fee for collection activity on a defaulted debt; PNC Bank discloses only that “may incur additional collection charges as permitted under applicable law.”[1]

Current Promotions & Offers

PNC Bank does not currently have any special pnc bank loan phone number available to refinance applicants or borrowers.

PNC Bank Refinance Eligibility Requirements

To qualify for refinancing with PNC Bank, all borrowers must meet the criteria below.

  • Citizenship Requirement: U.S. citizenship or permanent residence.
  • Income Requirement: steady over the previous 2 years (no minimum specified).
  • Credit Score Requirement: no minimum specified.
  • Graduation Requirement: none.
  • Location Requirement: none specified.

Additional restrictions apply for specific individuals and loans.

  • A 24-month repayment history on the loans to be refinanced.
  • 2-year credit history.
  • Refinance borrowers must not currently be enrolled in school.

PNC Bank Student Loan Repayment Options

Lenders vary greatly on the benefits and options provided to borrowers during the loan servicing period. Additionally, benefits may only be available on a case-by-case basis. PNC Bank offers some relief options.

Deferment & Forbearance

PNC Bank does not specify much about its deferment, but more options may be available on a case-by-case basis.

See PNC’s conditions for deferment and forbearance below.

Returning to grad school (full-time)Deferment, up to 36 months
Disability rehabilitationUndisclosed
Active military dutyUnspecified
Involuntary unemploymentUndisclosed
Economic hardshipUndisclosed
Natural disasterUndisclosed
Temporary hardshipUndisclosed

Additional Options

PNC Bank does offer other opportunities for relief or contract modification.

  • Deferment may be available to those enrolled in a medical residency or internship program.
  • Co-signer release is available after 48 consecutive qualifying payments.
  • Death / disability discharge is available in the unfortunate circumstance that a borrower passes away or suffers total permanent disability.

PNC Bank Reviews, Complaints & Lawsuits

Beyond our own findings, our team also collected the most genuinely insightful customer experiences we could find, including any instances of legal action against the company in which the details became public. Some entries may be edited for readability.

PNC Bank Online Reviews

Despite PNC’s size, few online reviews about the bank’s student loan products. Below are samples of PNC Bank customer reviews we found on public forums, included here for their value as unedited, uncensored, and unsolicited user experiences. Note that these reviews are unverified, may include inaccuracies, and may provide outdated information (about rates, bonus offers, etc.).

“Recently, i was shopping around for a refinance with other banks. My chosen lender contacted PNC without me knowing looking for basic info like account balance and PNC charged me a service fee without me even being aware of what was going on. PNC has since said they would return the fee, but I am concerned for several reasons: 1) information on my own account is difficult for me to obtain 2) others can obtain account information without me even being aware 3) small fees are assessed without my knowledge, and I never would have even seen it if I hadn’t been actively checking.” – George F. on Better Business Bureau, 9/9/2020

“I pnc bank loan phone number 2 student loans from 2008 total borrowed from PNC was $20000. I have been paying regular monthly payments of over $200 a month for 8 years and still owe more than I borrowed. When I try to talk to them, their attitude is oh well there is nothing we can do. And the variable rate just keeps going up. They are terrible. And would never recommend a private student loan through these people. Awful awful service or compassion…” – Aaron P. on SuperMoney, 2019

More (unfiltered) customer reviews of PNC Bank are available at (2.2 out of 5) and (3.7 out of 5).

PNC Bank CFPB Complaints

As consumer finance companies, student loan refinancing lenders fall under the jurisdiction of the Consumer Financial Protection Bureau (CFPB), a federal agency. As part of its mission, the CFPB allows consumers to log official complaints. These complaints are publicly available on the CFPB official website.

Since December 2011, consumers have submitted 18,429 complaints about PNC Bank N.A. to the CFPB for an average of one (1) complaint every four (4) hours and 43 minutes. Among the total number of complaints, consumers identified 101 as specifically about student loans and 388 about debt collection.

In 2020, PNC Bank generated one (1) official consumer complaint for every $4.14 million of company revenue ($16.9 billion total).

The allegations made in these complaints are unverified, are not necessarily representative of all consumers’ experiences with PNC Bank, and may contain outdated information (about rates, bonus offers, etc.). Note that a lender with a large customer base is likely to have a higher number of complaints when compared with smaller lenders.

Below, we’ve included three (3) of the most recent relevant complaints (as of this writing) in which the consumer consented to share their details.

Complaint 4668325
New Jersey

“Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to pnc bank loan phone number in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX field ( XXXX office ) who provided XXXX care and XXXX health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you – XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX”

Complaint 4665639

“I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. In XXXX of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time. We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.”

Complaint 4654910
District of Columbia

“Due to the public health emergency, my loan was under deferment until it was paid off in XX/XX/2021. I contacted PNC to find out why they have reported my loan as delinquent for the past 20 months.”

For a full list of the 18,429 complaints made against PNC Bank in the CFPB’s Consumer Complaint Database, click here.

PNC Bank Lawsuits

PNC Bank and PNC Financial Services Group, Inc. are often subject to legal action. This is not uncommon among multibillion-dollar financial corporations. No current lawsuits appear to mention the bank’s student refinance loan program.

Note that while this information is updated regularly, ongoing legal action is subject to change.

Jones v. PNC Bank, N.A. Case No. 1:2021-CV-02000

Judth Jones pnc bank loan phone number a complaint on April 14, 2021, alleging PNC Bank, N.A. (PNC) unlawfully collects millions in stolen customer funds each year in the form of excess charges and fraudulent fees. The case has been assigned to Judge John Robert Blakey of the Illinois Northern District Court walmart tire patch is ongoing.[2][3]

This is not to be confused with a similar class action case regarding overdraft fees, which PNC settled in August 2020 for $7.5 million.[4]

Lincoln Network, Inc. v. PNC Bank, N.A. Case No. 3:20-CV-02824-TSH

In April 2020, California nonprofit Lincoln Network, Inc. filed a class action lawsuit with a demand for jury trial against PNC Bank, N.A. (PNC Financial Services Group, Inc.).[5]

Lincoln Network claims PNC exploited the Small Business Association’s Paycheck Protection Program during the COVID-19 pandemic by expediting larger loans and disregarding small businesses, allegedly as a means to generate more revenue. Lincoln Network alleges PNC is in violation of California law, breach of fiduciary duty, and negligence.[6]

This case is ongoing.

Frequently Asked Questions

These are the most common questions consumers have about student loan refinancing with PNC Bank.

  • Is PNC Bank good for refinancing student loans?
    PNC Bank may be a good option if you have an account with PNC. Nongraduates and those who expect their gross income to improve may also consider PNC.
  • Are PNC Bank loans federal?
    PNC Bank loans are not federal. PNC Bank has no affiliation with the federal government or the U.S. Department of Education.
  • Does PNC Bank charge a prepayment penalty?
    There are no penalties for early payments or repaying a loan in full before its term is over.
  • Does checking your rates with PNC Bank hurt your credit score?
    For their prequalification process, PNC Bank performs a soft credit check, which will not hurt your credit score. If you proceed with an application, however, PNC Bank will perform a hard credit check that may affect your credit score.
  • Can I refinance a PNC Bank loan?
    You can refinance PNC Bank student loans, student loans from another private lender, and federal loans. There is no limit to the number of times a borrower may refinance with PNC Bank. Note, however, that every new line of credit requires a hard credit check that may affect your FICO score.
  • Can I refinance just some of my loans with PNC Bank?
    Yes, you can refinance some, all, or just one of your qualifying student loans with PNC Bank. You may choose to refinance your private loans only or refinance private and federal loans together.
  • Can I refinance loans that have already been refinanced?
    Yes, you can refinance loans as many times as you want with PNC Bank. Note that each time you refinance, you will have to submit a new application; every application requires a hard credit check that may affect your credit score.
  • Can my spouse and I refinance our loans together with PNC Bank?
    PNC Bank does not offer joint refinancing.
  • How long does it take to refinance with PNC Bank?
    PNC Bank does not disclose a timeline.
  • Who services PNC Bank refinance loans?
    American Education Services (AES) services PNC Bank refinance loans.
  • Does PNC Bank offer a grace period?
    No, PNC Bank does not offer a grace period.
  • How often do variable rates change?
    PNC Bank updates their variable rates once per month according to the Prime Rate index plus a margin of -0.53% to 2.27%.
  • Can I get any special rates or discounts with PNC Bank?
    Yes, PNC Bank offers a 0.25% interest rate reduction with enrollment in autopay, plus a further 0.25% rate reduction when autopay is linked to a PNC Bank account. The total potential reduction is 0.50%.
  • What happens if I file for bankruptcy?
    PNC Bank’s refinance loan disclosure explicitly states “[i]f you file for bankruptcy you may still be required to pay back this loan.”[1]
  • Is PNC Bank a Credible lender?
    PNC Bank does not partner with Credible as part of its lender marketplace.

Compare Student Loan Refinance Reviews


  1. CampusDoor, PNC Education Refinance Loan Application and Solicitation Disclosure
  2. Justia, Dockets & Filingss: Jones v. PNC Bank, N.A.
  3. Top Class Actions, PNC Bank Fraudulently Kept Millions in Unearned GAP Fees, Class Action Lawsuit Claims
  4. Bloomberg, PNC Resolves Decade-Old RBC Bank Overdraft Suit for $7.5 Million
  5. Lockridge Grindal Nauen P.L.L.P. Attorneys at Law
  6. Class Pnc bank loan phone number Reporter, PNC Bank Favored Large Customers for PPP Loans California Class Action
  7. PNC Bank, Refinance Student Loans
  8. Pittsburgh Post-Gazette, After Early Fears of Loan Losses, PNC Posts Higher Profits for Fourth Quarter, All of 2020
  9. Class Action Claims PNC Bank ‘Exploited’ Coronavirus at Expense of PPP Loan Applicants
  10. Consumer Financial Protection Bureau, Consumer Complaint Database
  11. Dun & Bradstreet, Business Directory
  12. Better Business Bureau, Search Businesses and Charities
  13. Wikipedia, PNC Financial Services
Consumer Reviews & Complaints

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