PNC Unsecured Personal Loan: Flexible Funding with No Collateral Required

PNC’s unsecured personal loan offers up to $35,000 with no collateral and no fees. Fast approval and flexible terms make it great for consolidating debt or covering major expenses. See our review.

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PNC Bank

Loan amounts from $1,000 to $35,000. No collateral, no fees, and flexible repayment up to 60 months. Quick approval for qualified borrowers.




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Loan Overview

The PNC Unsecured Personal Loan offers borrowers fixed interest rates based on credit, with no collateral required. Loan amounts range from $1,000 to $35,000, with repayment terms from 6 to 60 months. Rates vary depending on creditworthiness, but APRs will not exceed 26.44%. Importantly, there are no application, origination, or prepayment fees.

This loan is particularly useful for consolidating high-interest credit cards, funding emergency expenses, and managing larger purchases with predictable monthly payments. The application process can be fully completed online for existing PNC online banking users.

How to Apply: Step-by-Step

  1. Gather essential documents: Social Security number, proof of income, and a photo ID.
  2. Select your preferred loan amount and term.
  3. Fill out the application online or visit any PNC branch.
  4. Review your loan offer and, if approved, sign documents either digitally or in person.
  5. Once finalized, receive funds—sometimes as quickly as the same day.

Key Advantages

No collateral is required, making it accessible for those without home equity or high savings. There are also no origination or prepayment penalties, giving flexibility to pay your loan off early without additional charges.

Loan amounts and terms are flexible, so you can tailor the loan to your specific needs, whether for debt consolidation or unexpected expenses. Fast application and decision times are ideal for borrowers needing quick access to funds.

Possible Drawbacks

PNC’s personal loan is only available in select states. Potential borrowers should verify state availability before applying.

As with any unsecured loan, interest rates may be higher for those with lower credit scores. There’s also a requirement to be an existing PNC online banking user for a fully online application.

Our Verdict

Overall, the PNC Unsecured Personal Loan delivers value for qualified borrowers seeking flexibility without collateral. The competitive terms, absence of fees, and straightforward application process make this loan a strong option, particularly for debt consolidation or larger purchases. Always compare offers and check local availability to ensure the best fit for your situation.

Recommended for you

PNC Bank

Loan amounts from $1,000 to $35,000. No collateral, no fees, and flexible repayment up to 60 months. Quick approval for qualified borrowers.




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