Personal Line of Credit

An Unsecured and Customizable Personal Loan

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*

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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 Line Amount $25,000 
California Maximum Line Amount $5,000
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 Personal Line of Credit product is only available in the following states: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, OH, PA, SC, TX, VA, WI and WV. Certain restrictions apply for MA, NY, CT and TN. Contact us at 1-877-CALL-PNC (1-877-225-5762) to confirm product availability in your state.

*Check Personal Installment Loan and Personal Line of Credit Rates: APRs that will display include a 0.25% discount for automated payment from a PNC checking account. The lowest rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors. Refer to “Important Disclosures" under “Get Rates” for more details.

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.