A PLRC-FDTD (The piecewise linear recursive convolution-Finite Difference Time Domain) method has been introduced to analyze Multi-conductor transmission lines (MTLs) terminated in frequency dependent loads By using Vector-fitting Method, the admittance of frequency dependent loads can be modeled by rational functions with poles and residues. Based on PLRC method, the voltage and current relation of admittance parameters are deduced. Incorporating the formula into MTLs FDTD equations, the general FDTD formula of MTLs dealing with frequency dependent loads can be obtained. Numerical examples are presented and the validity of the proposed method is demonstrated.