Traditional commercial banks, credit unions, and online lenders frequently provide unsecured or secured personal lines of credit to give consumers flexible, revolving borrowing power. Major financial institutions offering personal lines of credit include Wells Fargo, U.S. Bank, PNC Bank, Truist, and TD Bank. These credit lines allow borrowers to draw funds as needed up to a pre-approved limit, paying interest only on the specific amount borrowed, making them popular alternatives to high-interest credit cards for managing ongoing expenses or consolidating debt.