Unsecured Personal
Line of Credit

A line of credit offering a flexible borrowing option with
no collateral required.[1]

Check Current Personal Loan Rates*

A Flexible Borrowing Option

A Personal Line of Credit provides you the flexibility to handle any financial needs without having to use your assets as collateral.[1]

Unexpected Expenses

Be prepared for what ever life
throws your way.

Overdraft Protection

Make purchases with peace of mind by linking your PNC Checking Account.

Finance a Large Purchase

Large appliances 
to electronics.

Consolidate Debt

Consolidate your credit card & other debt.

Home Improvements

Spruce up your living space with a remodel.

Vacations & Traveling

Fund your next dream getaway.

Features & Benefits

Advantages of a PNC Line of Credit

Choose Your Amount

Lines between $1,000
and $25,000.

Utilize Your Credit

Borrow until your limit is reached & only pay interest on the money
you borrow.

Access to Funds

Anytime with convenient checks, online, phone or at a branch.

PNC Unsecured Personal Line of Credit 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
Annual Fee Annual Fee of $50*


A revolving credit line allowing you to borrow as much as you need up to your limit and only pay interest on your total balance.

Log into Online Banking to view your current balance and minimum payment due.

Yes. If you opt in, your Personal Line of Credit will provide you with overdraft protection when linked with your PNC Checking account.

The available line balance must be sufficient to cover the overdraft amount. The minimum amount that can be transferred is $50. Other restrictions and conditions may apply. Contact us for more details.

Your funds can be accessed by check, by transferring funds via Online Banking or calling the PNC Care Center.

You can draw from your line of credit as many times as needed until you reach your line limit. Once you've made payments on your account, you can then borrow until you reach your limit again.

Make a payment by transferring funds via Online Banking, mailing payment with your billing statement, calling PNC Care Center, or visiting your local branch.

Servicemembers Civil Relief Act (SCRA)

The SCRA provides financial relief and protections to eligible servicemembers and their dependents.

PNC is grateful for your service and we would like to help you understand your benefits and protections under SCRA as well as other similar benefits that PNC may be able to provide to you.

To find out more, please contact us at:

Phone: 844-PNC-SCRA (844-762-7272)
Fax: 855-568-4532
Email: Servicemembers@pnc.com
PNC Bank
Servicemembers Operations Center, BR-YB58-01-U
PO Box 5570
Cleveland, OH 44101-0570

How to Apply for an Unsecured Personal Line of Credit

To apply for a Personal Line of Credit, call us today or schedule an appointment to visit a branch.

Call Us

Monday through Friday: 7 a.m. to 10 p.m. ET
Saturday through Sunday: 8 a.m. to 5 p.m. ET

Visit Us

Visit us at a branch for more information