PNC Personal Loan
PNC
Expert VerdictPNC 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 | Cons |
|---|---|
| Accepts SSN, ITIN, and passport — broadest ID acceptance among big banks | Slower funding (5-7 business days) |
| No origination fee | Maximum $35,000 — lower than some competitors |
| Reasonable APR range (8.14-24.99%) | Credit score requirements not publicly disclosed |
| Loans from $1,000 for smaller needs | Branch-dependent in some regions |
| Terms as short as 6 months for quick payoff | Less competitive rates than credit union options |
Honest take
PNC won't wow you with rates, but the passport acceptance is valuable. If you literally just arrived and don't have an ITIN yet, PNC might be one of the only major banks that will look at your application.
PNC is one of the few major national banks accepting ITIN and passport for personal loan applications, with no origination fee.
