PNCCS - Consumer Loan Service - Consumer Lending Service
Leader in Business Process Outsourcing for Consumer Lending   
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What consumer products are available?

PNCCS offers the capability for all primary industry consumer lending products along with the flexibility to tailor specific functions and features to your organization and markets. Consumer products include:

Home Equity Installment Loans and Lines of Credit
Auto and other Vehicle-Secured Loans
Unsecured Installment Loans and Lines of Credit
Other Secured Installment Loans
Complete Life Cycle from Originations through Default Management and Securitization Servicing

Where is your call center?

Our National Financial Services Center is located in Pittsburgh, PA.

How would my customers apply for loan products?

Customers can apply online, in your branches or loan processing offices, with an agent or by phone with the PNCCS call center.

How long will it take for my customers to get a decision?

Our automated decisioning process provides almost instantaneous decisions—typically in 30 seconds or less.

How would PNCCS help close sales for customers who meet my lending criteria?

PNCCS offers multiple closing options, including express mail to consumer, electronic loan document packages to your lending staff or closing agent, or even in-home closings with a third-party notary. Once we determine that a consumer meets your criteria, our highly experienced Customer Service Representatives are proactive in helping to close the transaction for you.

Does PNC Bank or the other lending institutions have access to my customers?

Absolutely not! Maintaining the confidentiality and integrity of your customer relationship is critical to our business model and all of our client records are kept strictly confidential.

Who is your parent company?

Our parent company, The PNC Financial Services Group, Inc. (NYSE: PNC), is one of the largest diversified financial services companies in the United States, operating businesses engaged in:

Regional Community Banking
Corporate Banking
Real Estate Finance
Asset-based Lending
Wealth Management
Asset Management
Global Fund Services

For more information visit

Who pays for technology upgrades?

PNCCS has invested millions of dollars developing and maintaining a state of the art BPO solution. We provide ongoing technology upgrades and improvements so your organization doesn't have to.

What experience does the PNCCS team have?

PNCCS is one of the most experienced teams in the U.S. in generating new loans, servicing portfolios, collection/risk management and implementing new consumer lending technologies.  Our team has successfully completed more than 90 lending institution conversions and never missed a go-live date.

Who are your key service providers?

Fair Isaac
Allison Payment Systems

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