Personal Line of Credit

PNC will work with you to get you access to the money you need without the collateral requirements of other financing options[1].


Apply Now

Call 1-877-CALL PNC, or apply in person at a branch.

Check Current Personal Loan Rates*

Key Features


You decide when and how much to borrow, up to your approved credit limit.

Get the Credit You Need

Credit lines range from $1,000 to $25,000.


No collateral necessary and no penalty for prepayment.

At a Glance

Minimum Line Amount $1,000
Maximum Loan Amount


Minimum Draw Amount $50
Collateral None
Rate Variable rate, based upon Wall Street Journal Prime Rate
Prepayment No prepayment penalty
Draw Period Continuous

Important Legal Disclosures and Information

  1. Credit is subject to approval. Certain restrictions and conditions apply.

*The rates we advertise include a 0.25% automated payment discount. Automated payment must be set up at loan closing to qualify for the 0.25% discount. Discount only applicable as long as payments are set up for automated payment from a PNC Checking account. The removal of any discount, such as automated payment or employee, may increase the rate. Advertised rates are available to well-qualified applicants. Your actual APR may be higher than the advertised rate range and will be based upon multiple factors such as credit qualifications, loan amount, repayment term (installment loan), current variable-rate index plus a margin (line of credit), automated payment from a PNC Checking account and number of days to first payment. See  "Check Rates" for more details about current rates.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC

PNC is a registered mark of The PNC Financial Services Group, Inc. 

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.