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 Delaware

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 Delaware Branch Locations

There are 31 PNC Bank Branches in Delaware.
The following is a list of all PNC Bank Delaware Branch Locations.
BRANDYWINE BKNG. CTR. BRANCH Logo
BRANDYWINE BKNG. CTR. BRANCH
Address: 1704 Marsh Road, Wilmington, Delaware 19810
DOVER BRANCH Logo
DOVER BRANCH
Address: 3 The Plaza, Dover, Delaware 19901
NEWARK BRANCH Logo
NEWARK BRANCH
Address: 201 Newark Shopping Center, Newark, Delaware 19711
WEST SEAFORD BRANCH Logo
WEST SEAFORD BRANCH
Address: 1200 Stein Highway, Seaford, Delaware 19973
SMYRNA BRANCH Logo
SMYRNA BRANCH
Address: 7 South Main Street, Smyrna, Delaware 19977
MIDWAY BRANCH Logo
MIDWAY BRANCH
Address: 4725 Kirkwood Highway, Wilmington, Delaware 19808
BASIN ROAD BRANCH Logo
BASIN ROAD BRANCH
Address: 1 East Basin Road, New Castle, Delaware 19720
TALLEYVILLE BRANCH Logo
TALLEYVILLE BRANCH
Address: 4111 Concord Pike, Wilmington, Delaware 19803
NORTHTOWNE PLAZA BRANCH Logo
NORTHTOWNE PLAZA BRANCH
Address: 691 Naamans Road, Claymont, Delaware 19703
UNIVERSITY PLAZA BRANCH Logo
UNIVERSITY PLAZA BRANCH
Address: 84 University Plaza, Newark, Delaware 19702
TENTH AND UNION STREET BRANCH Logo
TENTH AND UNION STREET BRANCH
Address: 1009 North Union Street, Wilmington, Delaware 19805
PENCADER PLAZA BRANCH Logo
PENCADER PLAZA BRANCH
Address: 25 Pencader Plaza, Newark, Delaware 19713
REHOBOTH BRANCH Logo
REHOBOTH BRANCH
Address: 19745 Sea Air Avenue, Rehoboth Beach, Delaware 19971
MIDDLETOWN COMMONS BRANCH Logo
MIDDLETOWN COMMONS BRANCH
Address: 460 West Main Street, Middletown, Delaware 19709
HOCKESSIN BRANCH Logo
HOCKESSIN BRANCH
Address: 7421 Lancaster Pike, Hockessin, Delaware 19707
GREENVILLE BRANCH Logo
GREENVILLE BRANCH
Address: 3840 Kennett Pike, Wilmington, Delaware 19807
ELSMERE BRANCH Logo
ELSMERE BRANCH
Address: 2203 Kirkwood Highway, Wilmington, Delaware 19805
MILFORD SQUARE BRANCH Logo
MILFORD SQUARE BRANCH
Address: 655 N. Dupont Highway, Milford, Delaware 19963
GREENTREE VILLAGE BRANCH Logo
GREENTREE VILLAGE BRANCH
Address: 87 Greentree Drive, Dover, Delaware 19904
PIKE CREEK BRANCH Logo
PIKE CREEK BRANCH
Address: 5325 Limestone Road, Limestone Hills Shopping Center, Wilmington, Delaware 19808
FOX RUN BRANCH Logo
FOX RUN BRANCH
Address: 250 Fox Hunt Drive, Bear, Delaware 19701
EDEN SQUARE BRANCH Logo
EDEN SQUARE BRANCH
Address: 100 Eden Circle, Bear, Delaware 19701
BRIDGEVILLE BRANCH Logo
BRIDGEVILLE BRANCH
Address: 100 Laws Street, Bridgeville, Delaware 19933
BETHANY BEACH BRANCH Logo
BETHANY BEACH BRANCH
Address: 2 S Pennsylvania Ave, Bethany Beach, Delaware 19930
GEORGETOWN BRANCH Logo
GEORGETOWN BRANCH
Address: 20915 Dupont Blvd, Georgetown, Delaware 19947
MILLSBORO BRANCH Logo
MILLSBORO BRANCH
Address: 118 Main Street, Millsboro, Delaware 19966
PNC Bank, National Association Logo
PNC Bank, National Association
Address: 222 Delaware Avenue, Wilmington, Delaware 19899
PNC BANK, DELEWARE BRANCH Logo
PNC BANK, DELEWARE BRANCH
Address: 300 Delaware Avenue, Wilmington, Delaware 19899
LEWES BRANCH Logo
LEWES BRANCH
Address: 17725 Coastal Highway, Lewes, Delaware 19958
BAYSIDE BRANCH Logo
BAYSIDE BRANCH
Address: 31231 Americana Parkway, Selbyville, Delaware 19975
UNIVERSITY OF DELAWARE BRANCH Logo
UNIVERSITY OF DELAWARE BRANCH
Address: 17 West Main Street, Newark, Delaware 19716