pnc bank personal loan calculator

A loan exclusive to existing Co-operative Bank and Britannia customers, that can be used for a range of purposes

Calculations shown are for illustrative purposes only

(1 year - 7 years)

For a loan amount of

which is equivalent to a representative APR of

your monthly repayments would be

and you would have to repay a total of

The percentage rate charged on a loan is fixed which means you can be sure it won't go up during the duration of your loan.

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

Per annum is a quicker way of saying ‘for each year’.

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of ВЈ10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Please be aware that by submitting this application, you have no obligation to purchase a Co-operative Bank loan.

Choosing the right type of credit

When looking for credit, it is important that you consider your situation and why you're borrowing and choose the right type of borrowing for you.

Other options, such as credit cards or overdrafts, may be a better solution.

Considering all of your options will help you make an informed decision about your finances.

Before taking out a loan you should first consider whether you can afford to repay it. A fixed amount is payable each month, so make sure you can afford the repayments.

When choosing the length of the term to repay your loan over, it's important to consider that the longer the term, the greater the total interest payable will be.

We have one main loan to keep life simple. This means you can use this loan for most things, including:

This loan can't be used for business purposes.

The interest rate will vary, depending on the amount you borrow.

* For terms between 1 to 5 years

** For terms over 5 years

  • These rates are representative only. We will offer you a rate based on our assessment of your personal financial circumstances.

A breakdown of charges and fees involved with having a loan.

We don't believe in application fees. That's why we'll never charge you for taking out a loan.

Interest will continue to accrue on the outstanding balance which remains unpaid from when it is due. This will be charged at the annual interest rate for your loan.

Partial and full early repayment charges

If you wish to, you can repay your loan at any time. If your loan was taken out after 10th June 2010 you can also make partial repayments to your loan (in addition to your regular monthly payments).

If you repay your loan early (in part or in full) and the term was one year or less

we may charge you 28 days additional interest.

However, if your loan term exceeded one year when it was made

we may charge you 58 days additional interest.

A fixed amount will be payable each month for the duration of your loan. Repayments are made by standing order.

The repayments that have been made are shown in your statement.

If you wish to, you can repay your loan at any time. If your loan was taken out after 10th June 2010 you can also make partial repayments to your loan (in addition to your regular monthly payments). To arrange this, please contact us and we will give you an early settlement figure.

If you repay your loan early in full or in part we may charge you:

  • 28 days additional interest if your loan agreement was for a term of a year or less at the time it was made.

  • 58 days additional interest if your loan agreement was for a term of more than a year at the time it was made.

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of ВЈ10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Please be aware that by submitting this application, you have no obligation to purchase a Co-operative Bank loan.

Pnc bank personal loan calculator

Personal loan summary information

Pnc bank personal loan calculator

Terms and conditions

Pnc bank personal loan calculator

Repaying your loan early information

Pnc bank personal loan calculator

How we use your personal information

Pnc bank personal loan calculator

Pnc bank personal loan calculator

Our lending commitments and what we ask of you

We may decline your application based on your circumstances or our lending policy.

If you'd like more help & information, you can:

Pnc bank personal loan calculator

Pnc bank personal loan calculator

Visit us in your local branch

Pnc bank personal loan calculator

Call us to talk to an advisor

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Per annum is a quicker way of saying ‘for each year’.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

When a rate is advertised as variable, it means that it could go up or down.

This is the percentage rate charged on a loan.

The percentage rate charged on a loan is fixed which means you can be sure it won't go up during the duration of your loan.

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

The Co-operative Bank is covered by the FSCS.

The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.

The Co‑operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co‑operative Bank, Platform, smile and Britannia are trading names of The Co‑operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co‑operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co‑operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.

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PNC Bank Personal Loans 2017: Best for Existing Customers and Secured Loans

  • Unsecured personal loans over $25k
  • Checking your rate before applying
  • Existing PNC Bank customers with a qualifying checking account
  • Secured loans

PNC Bank Personal Loans 2017: Best for Existing Customers and Secured Loans

  • Unsecured personal loans over $25k
  • Checking your rate before applying

While you don’t need to be a customer to apply, we think a PNC Bank personal loan is a better choice for borrowers who already have or plan to open a PNC checking account. This is because customers can receive APR discounts if they enroll in automatic payment through their qualifying checking account. We also recommend the bank for secured personal loans, as you can borrow up to $100,000 with low rates and long terms. One downside to PNC Bank is that you won’t be able to borrow more than $25,000 through an unsecured loan, which is somewhat low compared to other banks and online lenders.

We think bank is best suited for borrowers who have or are planning to open a PNC checking account, and for those looking for a secured personal loan. However, you don’t need to be a customer of the bank to apply. Rates and terms on both secured and unsecured personal loans are competitive, but you’ll only be able to borrow up to $25,000 on an unsecured loan.

  • Unsecured personal loans over $25k
  • Checking your rate before applying

While you don’t have to be an existing bank customer to apply, there are some perks if you are. By paying through an eligible PNC checking account, you can get an AutoPay discount on your APR of 0.25%. For instance, on a $10,000 five-year loan with an APR of 8%, you would repay a total of $12,165. By applying the AutoPay discount, your rate would be reduced to 7.75%, and you would repay a total of $12,094. While this doesn’t amount to huge savings, it’s still a savings of $71 by simply enrolling in automatic repayment from your checking account.

Another reason we like this lender is the secured personal loan option. You can borrow up to $100,000 through a secured loan, with rates starting at 3.99% with AutoPay (4.24% without AutoPay). You can secure your loan with cash or non-real estate collateral, such as a vehicle. And based on what you use to secure your loan, you can get terms up to seven or 15 years, which is great for large loan amounts.

One area where we think PNC Banks falls a little short is the loan amounts on the bank’s unsecured loans. While the rates and terms are quite competitive, you can only borrow up to $25,000. For comparison, you can borrow up to $100,000 at Wells Fargo and over $50,000 at Navy Federal Credit Union (though you will need to be a member at these institutions to get a loan). Many online lenders, such as Earnest and SoFi, also offer higher loan amounts up to $50,000 or $100,000, and they let you check your rate online without affecting your credit score—something PNC Bank does not do.

To be eligible for a personal loan from this lender, there are minimum criteria you must meet. We’ve also listed recommended criteria to meet that will improve your chances of getting approved.