Our Rating: 82%

★★★★★
★★★★★

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 North Carolina

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.
Get Pre-Qualified for a Personal Loan Today
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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 North Carolina Branch Locations

There are 114 PNC Bank Branches in North Carolina.
The following is a list of all PNC Bank North Carolina Branch Locations.
SMITHFIELD BRANCH Logo
SMITHFIELD BRANCH
Address: 410 East Market Street, Smithfield, North Carolina 27577
DURHAM MAIN BRANCH Logo
DURHAM MAIN BRANCH
Address: 500 Morgan Street, Durham, North Carolina 27701
FAYETTEVILLE MAIN BRANCH Logo
FAYETTEVILLE MAIN BRANCH
Address: 214 North Mcpherson Church Road, Fayetteville, North Carolina 28303
Sanford-carthage Street Branch Logo
Sanford-carthage Street Branch
Address: 338 Carthage Street, Sanford, North Carolina 27330
8 O'HENRY AVENUE BRANCH Logo
8 O'HENRY AVENUE BRANCH
Address: 8 O Henry Avenue, Asheville, North Carolina 28801
North Chestnut Branch Logo
North Chestnut Branch
Address: 700 Chestnut Street, Lumberton, North Carolina 28358
CALABASH BRANCH Logo
CALABASH BRANCH
Address: 10267 Beach Drive, S.W., Calabash, North Carolina 28467
RAEFORD MAIN BRANCH Logo
RAEFORD MAIN BRANCH
Address: 201 North Main Street, Raeford, North Carolina 28376
ROCKINGHAM BRANCH Logo
ROCKINGHAM BRANCH
Address: 104 West Washington Street, Rockingham, North Carolina 28379
AHOSKIE BRANCH Logo
AHOSKIE BRANCH
Address: 102 East Church Street, Ahoskie, North Carolina 27910
NAGS HEAD BRANCH Logo
NAGS HEAD BRANCH
Address: 2619 Croatan Highway, Nags Head, North Carolina 27959
NASHVILLE BRANCH Logo
NASHVILLE BRANCH
Address: 109 South Barnes Street, Nashville, North Carolina 27856
SILER CITY BRANCH Logo
SILER CITY BRANCH
Address: 100 North Second Street, Siler City, North Carolina 27344
OAKLAND BRANCH Logo
OAKLAND BRANCH
Address: 1180 Julian R. Allsbrook Hwy, Roanoke Rapids, North Carolina 27870
OXFORD MAIN BRANCH Logo
OXFORD MAIN BRANCH
Address: 155 Hillsboro Street, Oxford, North Carolina 27565
MANTEO MAIN BRANCH Logo
MANTEO MAIN BRANCH
Address: 301 Virginia Dare Road, Manteo, North Carolina 27954
MOUNT AIRY MAIN BRANCH Logo
MOUNT AIRY MAIN BRANCH
Address: 501 North Main Street, Mount Airy, North Carolina 27030
Village District Branch Logo
Village District Branch
Address: 1959 Clark Avenue, Raleigh, North Carolina 27605
HAMPSTEAD BRANCH Logo
HAMPSTEAD BRANCH
Address: 14615 Us 17 North, Hampstead, North Carolina 28443
TARBORO BRANCH Logo
TARBORO BRANCH
Address: 600 Main Street, Tarboro, North Carolina 27886
KITTY HAWK BRANCH Logo
KITTY HAWK BRANCH
Address: 4701 N. Croatan Highway, Kitty Hawk, North Carolina 27949
RENAISSANCE PLAZA BRANCH Logo
RENAISSANCE PLAZA BRANCH
Address: 230 North Elm Street, Greensboro, North Carolina 27401
MEDICAL PARK BRANCH Logo
MEDICAL PARK BRANCH
Address: 2390 Stantonsburg Road, Greenville, North Carolina 27834
WESTRIDGE BRANCH Logo
WESTRIDGE BRANCH
Address: 3600 Sunset Avenue, Rocky Mount, North Carolina 27804
WINSTON-SALEM MAIN BRANCH Logo
WINSTON-SALEM MAIN BRANCH
Address: 2150 Country Club Road, Winston Salem, North Carolina 27104
ASHTON SQUARE BRANCH Logo
ASHTON SQUARE BRANCH
Address: 4000 North Capital Boulevard, Raleigh, North Carolina 27604
EDENTON BRANCH Logo
EDENTON BRANCH
Address: 100 South Broad Street, Edenton, North Carolina 27932
HENDERSON MAIN BRANCH Logo
HENDERSON MAIN BRANCH
Address: 407 South Chestnut Street, Henderson, North Carolina 27536
HERTFORD BRANCH Logo
HERTFORD BRANCH
Address: 106 North Church Street, Hertford, North Carolina 27944
ZEBULON BRANCH Logo
ZEBULON BRANCH
Address: 300 Arendell Street, Zebulon, North Carolina 27597
Elizabeth City-Southgate Branch Logo
Elizabeth City-Southgate Branch
Address: 1407 W. Ehringhaus Street, Elizabeth City, North Carolina 27909
BENVENUE BRANCH Logo
BENVENUE BRANCH
Address: 1280 Benvenue Road, Rocky Mount, North Carolina 27801
CARY BRANCH Logo
CARY BRANCH
Address: 1135 Kildaire Farm Road, Cary, North Carolina 27511
MURPHY MAIN BRANCH Logo
MURPHY MAIN BRANCH
Address: 50 Peachtree Street, Murphy, North Carolina 28906
FRANKLIN  WEST MAIN BRANCH Logo
FRANKLIN WEST MAIN BRANCH
Address: 100 West Main Street, Franklin, North Carolina 28734
MURFREESBORO BRANCH Logo
MURFREESBORO BRANCH
Address: 137 East Main Street, Murfreesboro, North Carolina 27855
Roxboro Road Branch Logo
Roxboro Road Branch
Address: 3732 North Roxboro Road, Durham, North Carolina 27704
RESEARCH TRIANGLE PARK Logo
RESEARCH TRIANGLE PARK
Address: 2313 Highway 54, Durham, North Carolina 27713
CREEDMOOR BRANCH Logo
CREEDMOOR BRANCH
Address: 602 North Main Street, Creedmoor, North Carolina 27522
OLEANDER BRANCH Logo
OLEANDER BRANCH
Address: 3709 Oleander Drive, Wilmington, North Carolina 28403
WRIGHTSVILLE BEACH BRANCH Logo
WRIGHTSVILLE BEACH BRANCH
Address: 2026 Eastwood Road, Wilmington, North Carolina 28403
CLINTON BRANCH Logo
CLINTON BRANCH
Address: 300 Fayetteville Street, Clinton, North Carolina 28328
RAMSEY STREET BRANCH Logo
RAMSEY STREET BRANCH
Address: 454 Ramsey Street, Fayetteville, North Carolina 28301
SPRING LAKE BRANCH Logo
SPRING LAKE BRANCH
Address: 121 Highway 87, Spring Lake, North Carolina 28390
HOPE MILLS BRANCH Logo
HOPE MILLS BRANCH
Address: 2495 Hope Mills Road, Fayetteville, North Carolina 28304
LILLINGTON BRANCH Logo
LILLINGTON BRANCH
Address: 30 Front Street, Lillington, North Carolina 27546
PINEHURST BRANCH Logo
PINEHURST BRANCH
Address: 110 Aviemore Drive, Pinehurst, North Carolina 28374
Southern Pines Branch Logo
Southern Pines Branch
Address: 1715 Us Highway 1 S, Southern Pines, North Carolina 28387
Westgate Drive Branch Logo
Westgate Drive Branch
Address: 3412 Westgate Drive, Durham, North Carolina 27707
PATTON AVENUE BRANCH Logo
PATTON AVENUE BRANCH
Address: 1417 Patton Avenue, Asheville, North Carolina 28806
HENDERSONVILLE BRANCH Logo
HENDERSONVILLE BRANCH
Address: 245 North Main Street, Hendersonville, North Carolina 28739
ARDEN BRANCH Logo
ARDEN BRANCH
Address: 2351 Hendersonville Road, Arden, North Carolina 28704
Burnsville Branch Logo
Burnsville Branch
Address: 530 W Bypass, Burnsville, North Carolina 28714
WEAVERVILLE BRANCH Logo
WEAVERVILLE BRANCH
Address: 81 Weaver Boulevard, Weaverville, North Carolina 28787
ARBORETUM DRIVE BRANCH Logo
ARBORETUM DRIVE BRANCH
Address: 7852 Arboretum Drive, Charlotte, North Carolina 28270
Gastonia East Branch Logo
Gastonia East Branch
Address: 500 South New Hope Road, Gastonia, North Carolina 28054
GARNER BRANCH Logo
GARNER BRANCH
Address: 1027 Highway 70 West, Suite 101, Garner, North Carolina 27529
WAVERLY PLACE BRANCH Logo
WAVERLY PLACE BRANCH
Address: 101 Avent Court, Cary, North Carolina 27511
FUQUAY-VARINA Logo
FUQUAY-VARINA
Address: 1381 North Main Street, Fuquay-Varina, North Carolina 27526
EAST BOULEVARD BR Logo
EAST BOULEVARD BR
Address: 1000 East Boulevard, Charlotte, North Carolina 28203
Archdale Branch Logo
Archdale Branch
Address: 11246 N Main St, Archdale, North Carolina 27263
STATESVILLE BRANCH Logo
STATESVILLE BRANCH
Address: 212 East Broad Street, Statesville, North Carolina 28677
NORTH RIDGE BRANCH Logo
NORTH RIDGE BRANCH
Address: 925 Ridgefield Drive, Raleigh, North Carolina 27609
WILLIAMSTON BRANCH Logo
WILLIAMSTON BRANCH
Address: 1200 Washington Street, Williamston, North Carolina 27892
UNIVERSITY MALL BRANCH Logo
UNIVERSITY MALL BRANCH
Address: 841 Willow Drive, Chapel Hill, North Carolina 27514
CARRBORO BRANCH Logo
CARRBORO BRANCH
Address: 300 Weaver Street, Carrboro, North Carolina 27510
RUTHERFORDTON BRANCH Logo
RUTHERFORDTON BRANCH
Address: 275 N. Main Street, Rutherfordton, North Carolina 28139
Boone Mall Branch Logo
Boone Mall Branch
Address: 1168 Blowing Rock Road, Boone, North Carolina 28607
New Bern Branch Logo
New Bern Branch
Address: 3360 Dr. M L King Boulevard, New Bern, North Carolina 28562
PLAZA BOULEVARD BRANCH Logo
PLAZA BOULEVARD BRANCH
Address: 609 Plaza Boulevard, Kinston, North Carolina 28501
BRIDFORD PARKWAY BRANCH Logo
BRIDFORD PARKWAY BRANCH
Address: 1316 Bridford Parkway, Greensboro, North Carolina 27407
ARLINGTON BOULEVARD BRANCH Logo
ARLINGTON BOULEVARD BRANCH
Address: 611 Arlington Boulevard, Greenville, North Carolina 27858
HICKORY MAIN BRANCH Logo
HICKORY MAIN BRANCH
Address: 34 Second Street, Nw, Hickory, North Carolina 28603
HERITAGE CROSSING BRANCH Logo
HERITAGE CROSSING BRANCH
Address: 3401 Raleigh Road Parkway, Bldg 8, Wilson, North Carolina 27896
ARENDELL BRANCH Logo
ARENDELL BRANCH
Address: 2300 Arendell Street, Morehead City, North Carolina 28557
PRESTON CORNERS BRANCH Logo
PRESTON CORNERS BRANCH
Address: 999 High House Road, Cary, North Carolina 27513
WHITEVILLE MAIN BRANCH Logo
WHITEVILLE MAIN BRANCH
Address: 203 Washington Street, Whiteville, North Carolina 28472
MORROCROFT BRANCH Logo
MORROCROFT BRANCH
Address: 3920 Colony Road, Charlotte, North Carolina 28211
Kenton Drive Branch Logo
Kenton Drive Branch
Address: 17010 Kenton Drive, Cornelius, North Carolina 28031
North Church Street Branch Logo
North Church Street Branch
Address: 131 North Church Street, Rocky Mount, North Carolina 27804
CARMEL BRANCH Logo
CARMEL BRANCH
Address: 7421 Carmel Executive Park, Suite 100, Charlotte, North Carolina 28226
KERNERSVILLE BRANCH Logo
KERNERSVILLE BRANCH
Address: 823 South Main Street, Kernersville, North Carolina 27284
GOVERNORS VILLAGE BRANCH Logo
GOVERNORS VILLAGE BRANCH
Address: 50001 Governors Drive, Chapel Hill, North Carolina 27517
PROMENADE BRANCH Logo
PROMENADE BRANCH
Address: 230 W. T. Harris Blvd., Charlotte, North Carolina 28262
MONROE MAIN BRANCH Logo
MONROE MAIN BRANCH
Address: 1730-A Dickerson Boulevard, Monroe, North Carolina 28110
SIX FORKS BRANCH Logo
SIX FORKS BRANCH
Address: 8809 Six Forks Road, Raleigh, North Carolina 27615
MURRAYVILLE BRANCH Logo
MURRAYVILLE BRANCH
Address: 2314 N. College Road, Wilmington, North Carolina 28401
MATTHEWS STATION BRANCH Logo
MATTHEWS STATION BRANCH
Address: 110 Matthews Station Street, Suite 1-F, Matthews, North Carolina 28105
MONKEY JUNCTION BRANCH Logo
MONKEY JUNCTION BRANCH
Address: 5307 Carolina Beach Road, Wilmington, North Carolina 28412
GLENWOOD AVENUE BRANCH Logo
GLENWOOD AVENUE BRANCH
Address: 4300 Glenwood Avenue, Raleigh, North Carolina 27612
Edgewood Village Branch Logo
Edgewood Village Branch
Address: 2946 South Church Street, Burlington, North Carolina 27215
DUNN BRANCH Logo
DUNN BRANCH
Address: 1100 West Broad Street, Dunn, North Carolina 28334
RANDOLPH ROAD BRANCH Logo
RANDOLPH ROAD BRANCH
Address: 2000 Randolph Road, Charlotte, North Carolina 28207
North Spence Branch Logo
North Spence Branch
Address: 106 North Spence Avenue, Goldsboro, North Carolina 27534
GRANITE FALLS BRANCH Logo
GRANITE FALLS BRANCH
Address: 115 North Main Street, Granite Falls, North Carolina 28630
South Fayetteville Street Branch Logo
South Fayetteville Street Branch
Address: 115 South Fayetteville Street, Asheboro, North Carolina 27203
LAURINBURG BRANCH Logo
LAURINBURG BRANCH
Address: 505 South Main Street, Laurinburg, North Carolina 28352
WAKEFIELD BRANCH Logo
WAKEFIELD BRANCH
Address: 14400 New Falls Of Neuse Road, Raleigh, North Carolina 27614
CLEMMONS MAIN BRANCH Logo
CLEMMONS MAIN BRANCH
Address: 3645 Clemmons Road, Clemmons, North Carolina 27012
CLAYTON US 70 BRANCH Logo
CLAYTON US 70 BRANCH
Address: 11861 Us Highway 70 West, Clayton, North Carolina 27520
BREVARD FEDERAL BRANCH Logo
BREVARD FEDERAL BRANCH
Address: 90 South Caldwell Street, Brevard, North Carolina 28712
Lake Norman Branch Logo
Lake Norman Branch
Address: 298 Williamson Road, Mooresville, North Carolina 28117
CLEVELAND FEDERAL BRANCH Logo
CLEVELAND FEDERAL BRANCH
Address: 131 North Lafayette Street, Shelby, North Carolina 28150
BALLANTYNE BRANCH Logo
BALLANTYNE BRANCH
Address: 14925 Ballantyne Village Way, Charlotte, North Carolina 28277
MCPHERSON CHURCH RD BRANCH Logo
MCPHERSON CHURCH RD BRANCH
Address: 991 South Mcpherson Church Road, Fayetteville, North Carolina 28303
BRIER CREEK Logo
BRIER CREEK
Address: 8811 Ellstree Lane, Raleigh, North Carolina 27617
Plaza Branch Logo
Plaza Branch
Address: 301 Fayetteville St, Raleigh, North Carolina 27601
WAKE FOREST HERITAGE BRANCH Logo
WAKE FOREST HERITAGE BRANCH
Address: 3619 Rogers Road, Wake Forest, North Carolina 27587
Jacksonville Branch Logo
Jacksonville Branch
Address: 2885 Western Boulevard, Jacksonville, North Carolina 28546
Holly Springs Branch Logo
Holly Springs Branch
Address: 5208 Sunset Lake Road, Holly Springs, North Carolina 27540
GREENSBORO FRIENDLY CENTER BRANCH Logo
GREENSBORO FRIENDLY CENTER BRANCH
Address: 615 Green Valley Road, Greensboro, North Carolina 27408
PROVIDENCE COMMONS BRANCH Logo
PROVIDENCE COMMONS BRANCH
Address: 5130 Ballantyne Commons Pkwy, Charlotte, North Carolina 28277
COTSWOLD BRANCH Logo
COTSWOLD BRANCH
Address: 4475 Randolph Road, Charlotte, North Carolina 28211
NORTH CAROLINA STATE UNIVERSITY BRANCH Logo
NORTH CAROLINA STATE UNIVERSITY BRANCH
Address: 2610 Cates Ave, Raleigh, North Carolina 27606