JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
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To do that you can use the Form Separator widget - which allows you to set various options, or use the Text field on your form to do the same.
The text element would allow you to add any text that you might want to be shown above or under the line.
In the Text field, the HTML element to make the line as a separator is <hr> of course we can assist with some specific examples or help you with the specific setup if you let us know what is the form and what you would like to achieve.