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.

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✓ Accepts SSN, ITIN, and passport — broadest ID acceptance among big banks ✓ No origination fee ✓ Reasonable APR range (8.14-24.99%)
Representative APR Amount Term Type
8.14–24.99% $1k–$35k 6–60 mo personal
Best For

Immigrants who prefer a major bank and have passport or ITIN but no SSN, especially for moderate loan amounts

Pros & Cons

Pros
  1. ✓ Accepts SSN, ITIN, and passport — broadest ID acceptance among big banks
  2. ✓ No origination fee
  3. ✓ Reasonable APR range (8.14-24.99%)
  4. ✓ Loans from $1,000 for smaller needs
  5. ✓ Terms as short as 6 months for quick payoff
Cons
  1. ✗ Slower funding (5-7 business days)
  2. ✗ Maximum $35,000 — lower than some competitors
  3. ✗ Credit score requirements not publicly disclosed
  4. ✗ Branch-dependent in some regions
  5. ✗ Less competitive rates than credit union options

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