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2 User Reviews
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LAST UPDATED: December 20th, 2019

PNC Financial Services Group provides a wide variety of financial services to businesses, government entities, and individuals. With over 10,000 employees and locations throughout the Eastern United States, PNC is one of the largest financial service groups in the nation. Along with business and government financial services, PNC offers individuals personal loans services in the form of secured or unsecured loans as well as lines of credit. The application process is simple and can be completed in as little as 10 minutes. Consumers may simply apply in-person at a branch or over the phone for all services. Individuals in need of an unsecured loan are also able to apply online.

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The Good

  • Flexible Loan Options
  • No Prepayment Penalty

Flexible Loan Options

PNC offers consumers unsecured as well as secured loans. Unsecured loans range from $1,000 up to $25,000. The most appealing aspects of the unsecured loan are that consumers can apply for it online and there is no collateral required as a part of the loan agreement. Secured loans range from $2,000 up to $100,000. These loans must be applied for at a branch or by phone and require non-real estate items as collateral in the loan agreement. The terms for each loan option will include a fixed interest rate as well as a fixed monthly payment. Having both the secured and unsecured loan options provide a great deal of flexibility to consumers in regard to the maximum loan amount that can be obtained through PNC. A maximum loan of $100,000 is a very competitive potential loan amount on par with most of the competing personal loans companies we have reviewed.

No Prepayment Penalty

PNC does not charge consumers for early repayment of their loans. This is a great feature for individuals who have the ability to pay off their loan early or who would like to pay a loan off early in order to save on interest.


The Bad

  • Limited State Availability
  • Apply Online for Unsecured Loans Only
  • Poor Online Transparency

Limited State Availability

PNC Financial Services currently holds branches in only 19 states throughout the United States. States, where consumers are able to access a PNC branch, include Alabama, New York, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, District of Columbia, West Virginia, and Wisconsin. These states primarily reside in the eastern United States which may make PNC an inconvenient option for individuals living outside of these areas.

Apply Online for Unsecured Loans Only

Many of the personal loans companies we have reviewed offer consumers the ability to apply for a loan online. While PNC does offer this service when applying for an unsecured loan, it does not offer the option when applying for the rest of its personal financial services. This may be a turn-off for many consumers who would prefer the simplicity of applying online.

Poor Online Transparency

While reviewing the PNC website, it was easy to obtain answers to simple questions about their loan options such as maximum loan amount, but it became difficult to find answers to additional information beyond that. Consumers in need of more specific answers to questions such as maximum loan term available and APR rates would need to contact a PNC representative directly. 

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The Bottom Line

PNC offers consumers a variety of personal financial services. Consumers will be pleased with the wide range of loan amounts available. Some consumers may be turned off by the limited branches available near their area as well as the inability to apply for all of PNC's personal financial services online. PNC is a good option primarily for individuals located in the Eastern United States in search of a wide selection of loan term options.

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2 Reviews

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Benny Seattle, WA

Was pre-approved for a personal loan from PNC by Credit Karma. Promptly submitted all documentation and information. I tried multiple times to contact them via email and phone the following week with no response (on hold for over an hour multiple times, received a response by email days after emailing them telling me that I need to call in to receive support). So, today I finally got through to someone who told me that my application had expired — not because of anything I did wrong, but because the company was not able to handle the current volume of inquiries — then she advised me to re-apply. Of course, I'm not going to re-apply without any re-assurance from them that they will actually do their job this time within their own defined time limit. I'm not trying to rack up credit inquiries because of their incompetence. I will be going with another lender.

2 years ago

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Jess Med Ladson, SC

Horrible! Consistent only at losing payments, posting them to the wrong account and charging fees. Their customer service is VERY RUDE, uneducated and NOT THERE TO SERVICE THE CUSTOMER! BEWARE

2 years ago