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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 South 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.
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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 South Carolina Branch Locations

There are 9 PNC Bank Branches in South Carolina.
The following is a list of all PNC Bank South Carolina Branch Locations.
FIVE POINT BRANCH Logo
FIVE POINT BRANCH
Address: 2000 West Palmetto Street, Florence, South Carolina 29501
MYRTLE BEACH MAIN BRANCH Logo
MYRTLE BEACH MAIN BRANCH
Address: 2513 North Oak Street, Myrtle Beach, South Carolina 29577
CHANDLER COMMONS BRANCH Logo
CHANDLER COMMONS BRANCH
Address: 1888 India Hook Road, Rock Hill, South Carolina 29732
COLUMBIA-VISTA BRANCH Logo
COLUMBIA-VISTA BRANCH
Address: 701 Gervais Street, Columbia, South Carolina 29201
LITCHFIELD BRANCH Logo
LITCHFIELD BRANCH
Address: 38-A Black Gum Road, Pawleys Island, South Carolina 29585
Hilton Head Branch Logo
Hilton Head Branch
Address: 4 Office Way, Hilton Head Island, South Carolina 29928
CALHOUN STREET BRANCH Logo
CALHOUN STREET BRANCH
Address: 100 Calhoun Street, Charleston, South Carolina 29401
GREENVILLE WEST END BRANCH Logo
GREENVILLE WEST END BRANCH
Address: 531 South Main Street, Suite 100, Greenville, South Carolina 29601
MOUNT PLEASANT BRANCH Logo
MOUNT PLEASANT BRANCH
Address: 1021 E- Wall Street, Mount Pleasant, South Carolina 29464