Private Loans for Bar Study

The PNC Solution Loan for Bar Study can help you pay for bar exams and preparation.


The PNC Solution Loan for Bar Study is a private loan offering a faster, easier way to pay for bar exams and prep.

Who It’s For: Students enrolled at least half time at an approved ABA-accredited law school with less than six months remaining until graduation, or who have graduated from one within the last six months

  • Get 0.50% off your rate with automated payments from your checking or savings account1
  • The variable interest rate is based upon the LIBOR index plus a margin of 4% to 10.75% based on creditworthiness, and is adjusted quarterly2
  • Loan origination fees are based on the creditworthiness of the student borrower and the co-signer (if any), and range from 0% to 6% of the total loan amount (requested loan amount plus the origination fee)2
  • No minimum income requirement
  • Receive a preliminary decision within minutes of applying online
  • Take up to 15 years to repay with a nine-month grace period2
  • A co-signer release option is available after the initial 48 consecutive on-time monthly payments3
  • View loan application and solicitation disclosure

More information:

Credit and Eligibility

Students enrolled at least half time in the final year of study at an approved ABA-accredited law school, or who have graduated from one within the last six months may be eligible for the PNC Solution Loan for Bar Study. Students must be sitting for the bar exam no later than six months after graduation.

You May Qualify If:

  • You have graduated from a PNC-approved law school** within the last six months
  • You are a professional student enrolled at least half time at a PNC-approved law school** scheduled to graduate within the next six months
  • You meet the credit guidelines below

If applying as creditworthy or with a creditworthy co-signer, the creditworthy applicant needs:

  • a satisfactory credit history
  • an employment history of at least two years
  • proof of current income
  • if self-employed, to have been in business for at least two years
  • to be a U.S. citizen or permanent resident, and to have resided in the U.S. for the previous two years

If applying as a credit ready applicant on your own signature you will need:

  • a good credit history
  • to be a U.S. citizen or permanent resident alien

If you have any questions, please contact our customer service center to speak with a student loan specialist at 1-800-762-1001, Monday through Friday from 8am to 6pm Eastern time.

**Contact us to find out if your school is approved.

1The interest rate reduction benefit is lost if automatic payment deduction is discontinued. 2View important disclosure and repayment information for the PNC Solution Loan for Bar Study. 3To release a co-signer, the borrower must request a co-signer release and pass a credit check.

PNC reserves the right to discontinue any or all terms of this program at any time without notice. Loans may be sold to other financial organizations; however, the interest rate and term of the loan will not change if a loan is sold. PNC Solution Loans are subject to credit approval.

**Virtual Wallet: If you exceed the 3 check per monthly statement cycle limit, you will be charged a fee of $.50 per check.
Customer Service

To speak to a loan specialist, call:

1-800-762-1001

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