{"id":22812,"date":"2026-01-08T00:39:47","date_gmt":"2026-01-08T00:39:47","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22812"},"modified":"2026-01-08T00:39:49","modified_gmt":"2026-01-08T00:39:49","slug":"bank-of-america-personal-loan-alternatives","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22812","title":{"rendered":"Bank of America Personal Loan Alternatives"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Alexandr Dubynin\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_f11684b8eca37b011d137e9ff765cde1\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Personal loans aren\u2019t among Bank of America\u2019s product offerings.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You can access a small, affordable short-term loan if you\u2019re a current customer and meet the eligibility criteria.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You can also explore Bank of America\u2019s HELOC, car loan, mortgage and credit card products to get the funding you need.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            If none of these work for you, consider a personal loan with a different lender.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Unlike many banks, Bank of America does not offer personal loans. Instead, it offers a variety of\u00a0credit card options, a small loan for unexpected expenses, and other loan products. If you want to borrow a large personal loan, you must look elsewhere.<\/p>\n<div class=\"InlineCta not-wysiwyg my-12\">\n            <img decoding=\"async\" class=\"InlineCta-image\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/GettyImages-1304476508.jpg\" alt=\"Asian couple using tablet and credit card to shop online on kitchen table at home.\"\/><\/p>\n<div class=\"InlineCta-body\">\n                    <!-- htmlmin:ignore --><\/p>\n<h3 class=\"InlineCta-title\">\n    Best personal loan rates<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p class=\"InlineCta-copy\">Want to take a look at other personal loan options? Here are the current rates from top lenders.<\/p>\n<p>        Check rates now<\/p><\/div>\n<\/div>\n<h2 id=\"alternatives\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternatives to Bank of America loans\" data-outcome=\"\">Alternatives to Bank of America loans<\/h2>\n<p>Although there are a wide variety of national and local banks that offer personal loans, some of the best options are online lenders. But don\u2019t worry: most are backed by a larger bank.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\">Key points<\/th>\n<th class=\"has-text-align-right\" data-align=\"right\">LightStream<\/th>\n<th class=\"has-text-align-right\" data-align=\"right\">SoFi<\/th>\n<th class=\"has-text-align-right\" data-align=\"right\">Discover<\/th>\n<th class=\"has-text-align-right\" data-align=\"right\">Best Egg<\/th>\n<th class=\"has-text-align-right\" data-align=\"right\">Happy Money<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Bankrate score<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">4.7<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">4.7<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">4.8<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">4.6<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">4.5<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Better for<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Same-day funding<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Joint loans<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Borrowers with good credit<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Secured loan options<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Paying off credit cards<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Loan amounts<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$5,000\u2013$100,000<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$5,000\u2013$100,000<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$2,500\u2013$40,000<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$2,000\u2013$50,000<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$5,000\u2013$50,000<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>APR<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">6.24%-24.89%* (with AutoPay)<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">8.74%-35.49%<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">7.99%-24.99%<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">6.99%-35.99%<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">7.95%-29.99%<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Loan term lengths<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">24\u201384 months<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">24\u201384 months<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">36\u201384 months<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">36\u201360 months<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">24\u201360 months<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Fees<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">None<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Optional origination fee (0%-7%)<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">$39 late fee<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Origination fee (0.99%-9.99%)<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Origination fee (0%-5%)<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum credit score<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">660<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">No requirement<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">660<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">600<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">640<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Time to funding<\/strong><\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">As soon as same day<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Within a few days<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">As soon as the next day<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">As soon as the next business day<\/td>\n<td class=\"has-text-align-right\" data-align=\"right\">Three to six business days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>LightStream is a top online lender that offers personal loans up to $100,000. It has generous terms \u2014 up to 84 months \u2014 and its annual percentage rates (APRs) start as low as 6.24 percent if you set up automatic payments for a 0.50 percent discount. It is also backed by Truist, a national bank. You can expect quick turnaround and no fees. However, there is a high minimum loan amount of $5,000 and no preapproval process. LightStream will check your credit when you apply, which may hurt your score even if you aren\u2019t approved.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-pros-and-cons', 'heading-pros-and-cons']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-pros-and-cons')\" :aria-controls=\"$id('panel-pros-and-cons')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Pros and cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-pros-and-cons')\" :aria-labelledby=\"$id('heading-pros-and-cons')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>No fees enforced.<\/li>\n<li>Funding available as soon as the same day.<\/li>\n<li>Competitive starting APRs.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>No cosigners allowed.<\/li>\n<li>Good credit required.<\/li>\n<li>No prequalification available.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Online lender SoFi\u2019s personal loans are highly rated. This online lender offers joint applications, optional fees and a wide range of loan amounts \u2014 up to $100,000 with a starting APR of\u00a08.74\u00a0percent. Unlike LightStream, SoFi offers prequalification, so you can check your rate without\u00a0harming your credit score before you submit a full application.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-pro-and-cons', 'heading-pro-and-cons']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-pro-and-cons')\" :aria-controls=\"$id('panel-pro-and-cons')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Pro and cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-pro-and-cons')\" :aria-labelledby=\"$id('heading-pro-and-cons')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>High loan maximum.<\/li>\n<li>Option to add co-borrowers.\u00a0\u00a0<\/li>\n<li>Optional fees.\u00a0<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Unspecific credit requirements.<\/li>\n<li>Steep minimum loan amount.<\/li>\n<li>Opting out of origination fee may mean a higher APR.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Borrowing a loan from\u00a0Discover may be a good choice if you want to work directly with a bank. It offers loans up to $40,000 and accepts borrowers with good credit. Its excellent credit rates beat those of many other top lenders, and unlike many lenders, there are no origination fees when you borrow. Like SoFi, it offers prequalification, which lets you preview your rate with just a soft credit check.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<li x-id=\"['panel-pros-and-cons', 'heading-pros-and-cons']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-pros-and-cons')\" :aria-controls=\"$id('panel-pros-and-cons')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Pros and cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-pros-and-cons')\" :aria-labelledby=\"$id('heading-pros-and-cons')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Excellent customer support.<\/li>\n<li>Long loan terms.<\/li>\n<li>No fee to originate loan.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>High starting loan terms.<\/li>\n<li>Minimum income of $25,000.<\/li>\n<li>Higher than average late fee enforced.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Best Egg is one of the few lenders on the market offering secured loans with competitive terms. Like Happy Money, you can also set up direct payments to creditors if you\u2019re using the loan proceeds to consolidate debt. The maximum loan term of 60 months may not be ideal, though, if you prefer an extended repayment period to keep your loan payments low.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Secured and unsecured loan options.<\/li>\n<li>Competitive starting APR.<\/li>\n<li>Flexible home equity loan alternative.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Accessible to borrowers with lower credit scores.<\/li>\n<li>Steep cap on origination fees.<\/li>\n<li>Secured loans put assets at risk.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-bankrates-view', 'heading-bankrates-view']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-bankrates-view')\" :aria-controls=\"$id('panel-bankrates-view')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Bankrate\u2019s view<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-bankrates-view')\" :aria-labelledby=\"$id('heading-bankrates-view')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Happy Money is a viable option for those seeking a personal loan solely for their purpose of consolidating credit card debt. Like Best Egg, you can opt in for a feature that lets Happy Money handle the direct payments to creditors on your behalf. Keep in mind that loan proceeds cannot be used for any other purpose. So, if you need more flexibility, Happy Money isn\u2019t the lender for you.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Streamlined debt consolidation with direct payments.<\/li>\n<li>Lower maximum APR than competitors.<\/li>\n<li>No late payment or returned check fees.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Limited loan use.<\/li>\n<li>Reserved for borrowers with good or excellent credit.<\/li>\n<li>No cosigners or co-borrowers.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"options\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5 other loan options from Bank of America\" data-outcome=\"\">5 other loan options from Bank of America<\/h2>\n<p>If you prefer to explore alternatives to personal loans, consider these options from Bank of America.\u00a0<\/p>\n<h3>1. Balance Assist\u00a0<\/h3>\n<p>The Balance Assist loan allows you to borrow up to $500 for a $5 fee. It is similar to small loans offered by federal credit unions. Unlike traditional personal loans, it is not flexible and won\u2019t be useful for covering large expenses. You\u2019ll need a Bank of America checking account that is at least a year old \u2013 or 2.5 years if you don\u2019t have a credit score \u2013 to qualify.\u00a0<\/p>\n<h3>2. HELOC\u00a0<\/h3>\n<p>If you have a sizable amount of equity in your home, a home equity line of credit (HELOC) is worth exploring. You can use the funds to cover an assortment of expenses or to consolidate high-interest debt. There are no application fees or annual fees, and Bank of America waives closing costs on HELOCs not exceeding $1,000,000. Rate discounts are also available to qualifying customers.\u00a0<\/p>\n<h3>3. Mortgages\u00a0<\/h3>\n<p>A cash-out refinance is another option if you want to tap into the equity in your home without taking out a second mortgage, like a HELOC. It involves replacing your current loan with a new, larger one from Bank of America, typically under different terms. The difference is the equity you pull out in cash that you\u2019ll receive following closing, once your existing mortgage is paid off with the loan proceeds from the cash-out refinance. \u00a0<\/p>\n<h3>4. Car loans\u00a0<\/h3>\n<p>Bank of America features auto loans with competitive rates and terms of up to 72 months in its lending arsenal. You can borrow funds to purchase a new or used vehicle, refinance your current car loan or buy out your lease. If you\u2019re a current account holder, you can pre-qualify online with no impact on your credit score. There\u2019s also the option to lock your rate for 30 days if you\u2019re approved for a loan, even if you are a first-time customer.\u00a0<\/p>\n<div class=\"InlineCta not-wysiwyg my-12\">\n            <img decoding=\"async\" class=\"InlineCta-image\" src=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/01\/GettyImages-1637815484.jpg\" alt=\"New car, city and portrait of man with keys after vehicle purchase to drive, transport and travel on street. Transportation, loan approval and happy person with freedom for trip, journey or adventure\"\/><\/p>\n<div class=\"InlineCta-body\">\n                    <!-- htmlmin:ignore --><\/p>\n<h3 class=\"InlineCta-title\">\n    Auto loan rates and financing<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p class=\"InlineCta-copy\">Want to buy a car? Interested in seeing what the latest rates are for car loans? Bankrate has you covered with its list of lenders.<\/p>\n<p>        Check rates now<\/p><\/div>\n<\/div>\n<h3>5. Credit cards<\/h3>\n<p>If none of these alternatives from Bank of America work for you, there are several credit cards to choose from for consumers with varying needs. Whether you prefer a card offering cash back, travel rewards, airline rewards, points rewards or competitive interest rates, there are options available. The bank also features credit cards for those building credit or currently enrolled in college.\u00a0<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Whether you\u2019re current or interested in doing business with the bank, a personal loan isn\u2019t an option with Bank of America. You\u2019ll need to explore its other lending products to get the funding you need. But if none of these options work for you, a personal loan with an online lender could be ideal for your financial situation. \u00a0<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"roZzCXUY1R\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 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href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/bank-of-america-2\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alexandr Dubynin\/Getty Images Key takeaways Personal loans aren\u2019t among Bank of America\u2019s product offerings. You can access a small, affordable short-term loan if you\u2019re a current customer and meet the eligibility criteria. You can also explore Bank of America\u2019s HELOC, car loan, mortgage and credit card products to get the funding you need. If none<\/p>\n","protected":false},"author":1,"featured_media":22813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22812","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank of America Personal Loan Alternatives | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Alexandr Dubynin\/Getty Images Key takeaways Personal loans aren\u2019t among Bank of America\u2019s product offerings. 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