PNC (loans): verified facts and rating
Licensed since: 1804 Checked 2026-10-30
Score breakdown
76% backed by facts · How we rank
PNC (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference82%125%85% · median 100%
Support hours a week52 h168 h83 h · median 83 h
Maximum amount, % of country reference70%300%70% · median 100%
Longest term60 mo84 mo60 mo · median 60 mo
PNC (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- No arrangement fee in the standard terms
- Terms state that early repayment is free
Cons
- Online application is not open to new customers
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1804 ESTYMD 01/01/1804 | api.fdic.gov | 2026-10-30 |
| Licensed by the regulator | Yes FDIC cert 6384, ACTIVE 1 | api.fdic.gov | 2026-10-30 |
| Published rate, % of country reference | 85% Rates currently range from 6.99% to 25.29%, include 0.25% autopay discount from a PNC checking account; lowest requires at least $15,000 and term up to 24 months · APR 6.99% · index 100 = 8.2% (median at launch) | pnc.com | 2026-10-30 |
| Free early repayment | Yes No Prepayment Penalty | pnc.com | 2026-10-30 |
| No arrangement fee | Yes No origination or application fees. | pnc.com | 2026-10-30 |
| Fees or terms published | Not verified | — | |
| Complaints procedure | Not verified | — | |
| Online application for new customers | No You must be enrolled in PNC Online Banking and have an eligible PNC personal checking account to apply (existing clients only) | pnc.com | 2026-10-30 |
| Support hours a week | 83 h Personal Deposit Accounts Monday-Friday 8:00 a.m.-9:00 p.m. ET, Saturday-Sunday 8:00 a.m.-5:00 p.m. ET | pnc.com | 2026-10-30 |
| Maximum amount, % of country reference | 70% $5,000 to $35,000 · max 35000 USD · index 100 = 50000 USD (median at launch) | pnc.com | 2026-10-30 |
| Longest term | 60 mo repayment terms of 12 months to 60 months | pnc.com | 2026-10-30 |