PNC Personal Loan
PNC is one of the few major national banks accepting ITIN and passport for personal loan applications, with no origination fee.
Last checked on September 4, 2026. We may earn a commission when you click through.
PNC Personal Loan
Updated 1 month agoAPR Range
8.14–24.99%
Amount
$1k–$35k
Term
6–60 months
Type
personal
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Our Verdict
PNC accepts the broadest range of identification — SSN, ITIN, or passport — making it one of the most accessible major bank options for immigrants. No origination fee keeps costs transparent, though funding takes longer than fintech alternatives.
Best For
Immigrants who prefer a major bank and have passport or ITIN but no SSN, especially for moderate loan amounts
Pros
- Accepts SSN, ITIN, and passport — broadest ID acceptance among big banks
- No origination fee
- Reasonable APR range (8.14-24.99%)
- Loans from $1,000 for smaller needs
- Terms as short as 6 months for quick payoff
Cons
- Slower funding (5-7 business days)
- Maximum $35,000 — lower than some competitors
- Credit score requirements not publicly disclosed
- Branch-dependent in some regions
- Less competitive rates than credit union options
About This Loan
Requirements
- SSN, ITIN, or passport accepted
- US address
- Good credit typically required
- Proof of income
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