PNC HELOC review 2026
PNC offers a variable-rate HELOC with a starting APR of 7.49%–14.50% APR (variable). It's best for large lines and higher cltv needs, typically wants a credit score of 680 or higher, and lends up to $1,000,000 at a maximum combined loan-to-value of Up to 89.9%. Compare it against at least two other lenders before deciding — checking your rate through King of HELOC won't affect your credit.
PNC HELOC at a glance
| Starting APR | 7.49%–14.50% APR (variable) · as of June 2026 · pnc.com |
|---|---|
| Min. credit score | 680 |
| Max. loan | $1,000,000 |
| Max. CLTV | Up to 89.9% |
| States | Not offered in AK, HI, LA, MS, NV, SD; state rules and availability vary |
| Best for | Large lines and higher CLTV needs |
PNC HELOC pros and cons
Pros
- Introductory rate below prime for initial period
- Fixed-rate lock option available on part or all of balance
Cons
- $50 annual fee (unless excepted); origination fees may apply in some states
- Longer time to close than average
Who a PNC HELOC is best for
A PNC HELOC is best for large lines and higher cltv needs. To qualify you'll generally need a credit score around 680, a debt-to-income ratio of 43% or less, and enough equity to keep your combined loan-to-value at or below Up to 89.9%. Strengthen any one of those before applying and you'll unlock better pricing — see our HELOC requirements guide and how to get the best HELOC rate.
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How this review was made (methodology)
Details above are compiled from public sources, including PNC's own published disclosures and third-party reviewers, and were accurate as of 2026-06-28. Rates are variable and change frequently. Ratings shown are third-party scores, attributed to their source — they are not King of HELOC's own ratings, and we don't publish invented ratings, rates, or customer reviews. Always confirm current terms on the lender's site before applying.
How we make money. King of HELOC is a marketing and lead-generation service, not a lender, and is not affiliated with or endorsed by PNC. We may be compensated by lending partners when you're matched with them, which can affect placement but never our editorial standards or the data on this page. All lines are subject to credit approval, income verification, and property valuation.
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- Chase HELOC review — moderate lines and second-home helocs
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- U.S. Bank HELOC review — borrowers who want fixed-rate locks and no-closing-cost helocs
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Frequently asked questions
Is PNC a good HELOC lender?
PNC is best for large lines and higher cltv needs. Independent reviewers rate it 5.0/5 (NerdWallet). As with any HELOC, whether it's the best choice depends on your credit, equity, and state — compare it against at least two other lenders before deciding.
What credit score do you need for a PNC HELOC?
PNC typically looks for a credit score of 680 or higher. The lowest HELOC rates generally go to borrowers with 740+ credit, a low debt-to-income ratio, and a combined loan-to-value at or below Up to 89.9%.
How much can you borrow with a PNC HELOC?
PNC lends up to $1,000,000 on a HELOC, subject to a maximum combined loan-to-value of Up to 89.9% of your home's value minus what you still owe on your mortgage.
What states does PNC offer HELOCs in?
Not offered in AK, HI, LA, MS, NV, SD; state rules and availability vary Availability and terms can change, so confirm on PNC's site before applying.