I'm not sure that I would consider any LOCs "easy". If you have military affiliation, I would say NFCU's CLOC would be "easiest" as I have seen people approved with scores on the lower side with other blemishes on their profile. Their max is only 15k though and you are probably looking for more if you want to do business/personal combined.
US Bank goes to 25k but I know they pulled TU 4 on me for my PLOC which is most often the lowest score of many profiles it seems. I also know that I was unable to apply until I had 6 months of a relationship with them. I had an in branch appointment before that 6 months and I was turned away by the branch manager. My personal banker ended up calling me when I was eligible to apply.
I know of others that are lower APRs but I'm not real familiar with the requirements. I'll let some of the others chime in that have these products or know what the requirements are.
It would also be helpful to know your other stats as well such as #inquiries, new accounts, etc.
