Our Rating: 82%

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PNC Bank Personal Loan Review

Loan Amount:
$1,000 - $35,000
Minimum Credit Score:
620
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.

Check your pre-qualified personal loan rates online now.

Pros

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

Cons

  • 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.
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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 Missouri Branch Locations

There are 33 PNC Bank Branches in Missouri.
The following is a list of all PNC Bank Missouri Branch Locations.
DESOTO BRANCH Logo
DESOTO BRANCH
Address: 224 South Main Street, De Soto, Missouri 63020
HAZELWOOD BRANCH Logo
HAZELWOOD BRANCH
Address: 7600 North Lindbergh Blvd, Hazelwood, Missouri 63042
CLAYTON BRANCH Logo
CLAYTON BRANCH
Address: 7801 Forsyth Blvd, Clayton, Missouri 63105
DES PERES BRANCH Logo
DES PERES BRANCH
Address: 12100 Manchester Road, Saint Louis, Missouri 63131
TOWN & COUNTRY BRANCH Logo
TOWN & COUNTRY BRANCH
Address: 1000 Town And Country Crossing Drive, Town And Country, Missouri 63017
BALLWIN BRANCH Logo
BALLWIN BRANCH
Address: 15061 Manchester Road, Ballwin, Missouri 63021
TELEGRAPH BRANCH Logo
TELEGRAPH BRANCH
Address: 4111 Telegraph Road, Saint Louis, Missouri 63129
WEBSTER GROVES BRANCH Logo
WEBSTER GROVES BRANCH
Address: 135 West Lockwood Avenue, Webster Groves, Missouri 63119
KIRKWOOD BRANCH Logo
KIRKWOOD BRANCH
Address: 333 South Kirkwood Road, Kirkwood, Missouri 63122
St Charles Branch Logo
St Charles Branch
Address: 750 First Capitol Drive, St. Charles, Missouri 63301
WARRENTON BRANCH Logo
WARRENTON BRANCH
Address: 236 East Booneslick Road, Warrenton, Missouri 63383
SOUTH LINDBERGH BRANCH Logo
SOUTH LINDBERGH BRANCH
Address: 5400 S. Lindbergh Boulevard, St. Louis, Missouri 63123
CREVE COEUR BRANCH Logo
CREVE COEUR BRANCH
Address: 11410 Olive Boulevard, Saint Louis, Missouri 63141
UNION BRANCH Logo
UNION BRANCH
Address: 509 Highway 50 West, Union, Missouri 63084
ARNOLD BRANCH Logo
ARNOLD BRANCH
Address: 1532 Jeffco Blvd, Arnold, Missouri 63010
141 @ I-44 BRANCH Logo
141 @ I-44 BRANCH
Address: 912 Meramec Station Road, Suite A-1, Valley Park, Missouri 63088
EUREKA BRANCH Logo
EUREKA BRANCH
Address: 15 Augustine Road, Eureka, Missouri 63025
AFFTON BRANCH Logo
AFFTON BRANCH
Address: 8930 Gravois Avenue, St. Louis, Missouri 63123
SOUTH GRAND BRANCH Logo
SOUTH GRAND BRANCH
Address: 4131 South Grand Boulevard, Saint Louis, Missouri 63118
BRENTWOOD BRANCH Logo
BRENTWOOD BRANCH
Address: 2101 South Brentwood Boulevard, Brentwood, Missouri 63144
ST. LOUIS HILLS BRANCH Logo
ST. LOUIS HILLS BRANCH
Address: 6025 Chippewa Street, St. Louis, Missouri 63109
BRYAN AND FEISE ROAD BRANCH Logo
BRYAN AND FEISE ROAD BRANCH
Address: 1642 Bryan Road, O Fallon, Missouri 63368
BRIDGETON BRANCH Logo
BRIDGETON BRANCH
Address: 12050 St. Charles Rock Road, Bridgeton, Missouri 63044
CHESTERFIELD VALLEY BRANCH Logo
CHESTERFIELD VALLEY BRANCH
Address: 17389 Chesterfield Airport Road, Chesterfield, Missouri 63005
CAVE SPRINGS BRANCH Logo
CAVE SPRINGS BRANCH
Address: 2665 Muegge Road, Saint Charles, Missouri 63303
WENTZVILLE BRANCH Logo
WENTZVILLE BRANCH
Address: 1893 Wentzville Parkway, Wentzville, Missouri 63385
COTTLEVILLE BRANCH Logo
COTTLEVILLE BRANCH
Address: 6076 Mid Rivers Mall Drive, Saint Peters, Missouri 63376
WILDWOOD BRANCH Logo
WILDWOOD BRANCH
Address: 179 Plaza Drive, Wildwood, Missouri 63040
HWY K AND MEXICO BRANCH Logo
HWY K AND MEXICO BRANCH
Address: 1400 Mexico Loop Road East, O Fallon, Missouri 63366
JENNINGS BRANCH Logo
JENNINGS BRANCH
Address: 8001 West Florissant Avenue, Saint Louis, Missouri 63136
PAGE AND GRAND Logo
PAGE AND GRAND
Address: 3526 Page Boulevard, Saint Louis, Missouri 63106
Crossroads Logo
Crossroads
Address: 1837 Grand Blvd, Kansas City, Missouri 64108
Mapelwood Branch Logo
Mapelwood Branch
Address: 2211 South Big Bend Boulevard, Saint Louis, Missouri 63117