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 Alabama

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 Alabama Branch Locations

There are 54 PNC Bank Branches in Alabama.
The following is a list of all PNC Bank Alabama Branch Locations.
WETUMPKA MAIN BRANCH Logo
WETUMPKA MAIN BRANCH
Address: 743 South Main Street, Wetumpka, Alabama 36092
Whitesburg Drive Branch Logo
Whitesburg Drive Branch
Address: 2204 Whitesburg Drive South, Huntsville, Alabama 35801
DAPHNE BRANCH Logo
DAPHNE BRANCH
Address: 2211 Highway 98, Daphne, Alabama 36526
One Federal Place Branch Logo
One Federal Place Branch
Address: 1819 Fifth Avenue North, Birmingham, Alabama 35203
Talladega Branch Logo
Talladega Branch
Address: 409 East Battle Street, Talladega, Alabama 35160
Second Avenue Branch Logo
Second Avenue Branch
Address: 605 Second Avenue, Opelika, Alabama 36801
SELMA BRANCH Logo
SELMA BRANCH
Address: 9 Broad Street, Selma, Alabama 36701
UNIVERSITY CAMPUS BRANCH Logo
UNIVERSITY CAMPUS BRANCH
Address: 331 University Boulevard, Tuscaloosa, Alabama 35401
BAY MINETTE BRANCH Logo
BAY MINETTE BRANCH
Address: 511 Dolive Street, Bay Minette, Alabama 36507
AMBASSADOR PLAZA BRANCH Logo
AMBASSADOR PLAZA BRANCH
Address: 7860 Airport Boulevard, Mobile, Alabama 36608
TAYLOR ROAD BRANCH Logo
TAYLOR ROAD BRANCH
Address: 2710 Taylor Road, Montgomery, Alabama 36117
NORTH MADISON BRANCH Logo
NORTH MADISON BRANCH
Address: 7930 U.S. Highway 72 West, Madison, Alabama 35758
BAYLOU LA BATRE BRANCH Logo
BAYLOU LA BATRE BRANCH
Address: 13825 South Wintzell Avenue, Bayou La Batre, Alabama 36509
TOULMINVILLE BRANCH Logo
TOULMINVILLE BRANCH
Address: 2326 St. Stephens Road, Mobile, Alabama 36617
MCGREGOR SQUARE BRANCH Logo
MCGREGOR SQUARE BRANCH
Address: 3920 Airport Boulevard, Mobile, Alabama 36608
OAK PLAZA BRANCH Logo
OAK PLAZA BRANCH
Address: 7800 Moffett Road, Semmes, Alabama 36575
GOVERNMENT STREET BRANCH Logo
GOVERNMENT STREET BRANCH
Address: 1402 Government Street, Mobile, Alabama 36604
TILLMAN'S CORNER BRANCH Logo
TILLMAN'S CORNER BRANCH
Address: 5351 Highway 90 West, Mobile, Alabama 36619
COTTAGE HILL BRANCH Logo
COTTAGE HILL BRANCH
Address: 5133 Cottage Hill Road, Mobile, Alabama 36609
SARALAND BRANCH Logo
SARALAND BRANCH
Address: 34 Shelton Beach Road, Saraland, Alabama 36571
SPRING HILL-MOBILE BRANCH Logo
SPRING HILL-MOBILE BRANCH
Address: 4357 Old Shell Road, Mobile, Alabama 36608
ATLANTA HIGHWAY BRANCH Logo
ATLANTA HIGHWAY BRANCH
Address: 5375 Atlanta Highway, Montgomery, Alabama 36109
EASTERN BY-PASS Logo
EASTERN BY-PASS
Address: 1465 Eastern Boulevard, Montgomery, Alabama 36117
Auburn Mall Branch Logo
Auburn Mall Branch
Address: 2085 East University Drive, Auburn, Alabama 36830
TIGER TOWN OFFICE Logo
TIGER TOWN OFFICE
Address: 2426 Enterprise Drive, Opelika, Alabama 36801
South College Branch Logo
South College Branch
Address: 1605 South College Street, Auburn, Alabama 36832
NORTHPORT BRANCH Logo
NORTHPORT BRANCH
Address: 3076 Mcfarland Boulevard, Northport, Alabama 35476
CRESTLINE BRANCH Logo
CRESTLINE BRANCH
Address: 89 Euclid Avenue, Birmingham, Alabama 35213
LILY FLAGG BRANCH Logo
LILY FLAGG BRANCH
Address: 107 Lily Flagg Road Se, Huntsville, Alabama 35802
BESSEMER BRANCH Logo
BESSEMER BRANCH
Address: 1719 Fourth Avenue North, Bessemer, Alabama 35020
HUEYTOWN ALLISON-BONNETT BRANCH Logo
HUEYTOWN ALLISON-BONNETT BRANCH
Address: 3059 Allison-Bonnett Memorial Drive, Hueytown, Alabama 35023
ALABASTER BRANCH Logo
ALABASTER BRANCH
Address: 10745 Highway 119 South, Alabaster, Alabama 35007
MEADOWBROOK BRANCH Logo
MEADOWBROOK BRANCH
Address: 2000 Meadow Lake Drive, Birmingham, Alabama 35242
PARKWAY EAST BRANCH Logo
PARKWAY EAST BRANCH
Address: 9648 Parkway East, Birmingham, Alabama 35215
SKYLAND BRANCH Logo
SKYLAND BRANCH
Address: 719 S Skyland Boulevard E, Tuscaloosa, Alabama 35405
SIXTH AVENUE BRANCH Logo
SIXTH AVENUE BRANCH
Address: 2004 Sixth Avenue, Southeast, Decatur, Alabama 35601
BELTLINE BRANCH Logo
BELTLINE BRANCH
Address: 1715 Beltline Road, Southwest, Decatur, Alabama 35603
ATHENS BRANCH Logo
ATHENS BRANCH
Address: 1044 Highway 72 East, Athens, Alabama 35611
HARTSELLE BRANCH Logo
HARTSELLE BRANCH
Address: 589 Highway 31, Northwest, Hartselle, Alabama 35640
FOLEY BRANCH Logo
FOLEY BRANCH
Address: 1101 N Mckenzie St, Foley, Alabama 36535
ROBERTSDALE BRANCH Logo
ROBERTSDALE BRANCH
Address: 22516 State Highway 59 South, Robertsdale, Alabama 36567
SPRINGVILLE BRANCH Logo
SPRINGVILLE BRANCH
Address: 6384 Us Highway 11, Springville, Alabama 35146
Fairhope Avenue Bank Branch Logo
Fairhope Avenue Bank Branch
Address: 949 Fairhope Avenue, Fairhope, Alabama 36532
GULF SHORES BRANCH Logo
GULF SHORES BRANCH
Address: 250 West Fort Morgan Road, Gulf Shores, Alabama 36542
UNIVERSITY DRIVE BRANCH Logo
UNIVERSITY DRIVE BRANCH
Address: 1470 Perimeter Parkway N.W., Huntsville, Alabama 35806
308 MARTIN STREET BRANCH Logo
308 MARTIN STREET BRANCH
Address: 308 Martin Street, Pell City, Alabama 35125
SPANISH FORT BRANCH Logo
SPANISH FORT BRANCH
Address: 30500 A State Hwy 181, Spanish Fort, Alabama 36527
Prattville Branch Logo
Prattville Branch
Address: 1882 E. Main Street, Prattville, Alabama 36066
BIRMINGHAM-HOOVER COMMONS BRANCH Logo
BIRMINGHAM-HOOVER COMMONS BRANCH
Address: 1611 Montgomery Highway, Birmingham, Alabama 35216
Irondale Branch Logo
Irondale Branch
Address: 1801 Crestwood Boulevard, Birmingham, Alabama 35210
Tutwiler Farm Branch Logo
Tutwiler Farm Branch
Address: 3501 Roosevelt Boulevard, Birmingham, Alabama 35235
HUNTSVILLE-CHURCH STREET BRANCH Logo
HUNTSVILLE-CHURCH STREET BRANCH
Address: 100 Church St Sw, Huntsville, Alabama 35801
BANK OF DADEVILLE BRANCH Logo
BANK OF DADEVILLE BRANCH
Address: 242 Broadnax Street, Dadeville, Alabama 36853
TUSKEGEE-W. ROSA PARKS AVENUE BRANCH Logo
TUSKEGEE-W. ROSA PARKS AVENUE BRANCH
Address: 102 West Rosa Parks Avenue, Tuskegee, Alabama 36083