PNC Bank personal loans: APR, fees and requirements
What PNC Bank publishes about its personal loans (6.99% to 25.29% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Bank |
|---|---|
| APR range | 6.99% to 25.29% |
| Loan amounts | $5,000 to $35,000 |
| Repayment terms | 12 to 60 months |
| Origination fee | None |
| Minimum credit score | Not published |
| Funding time | Funds typically deposited to your PNC checking account within 1 business day of signing final loan documents |
| Availability | Personal Loans are currently not available in FL. |
How the lender states its rates: “Rate table by amount and term: lowest 6.99% APR, highest 25.29% APR. 'Rates include a 0.25% automated payment discount.' 'Lowest rates for well-qualified applicants.' 'Rates, terms and conditions are as of 8/27/26 and subject to change at any time.'”
How the starting rate compares
The lowest advertised APR, 6.99%, ranks 8 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
American Express
Bank
- APR
- 6.99% to 19.99%
- Loan amounts
- $3,500 to $50,000
- Origination fee
- None
Citi
Bank
- APR
- 10.24% to 18.49%
- Loan amounts
- $2,000 to $30,000
- Origination fee
- None
Discover
Bank
- APR
- 6.99% to 24.99%
- Loan amounts
- $2,500 to $40,000
- Origination fee
- None
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. pnc.com/en/personal-banking/borrowing/per…