Bank of America does not offer traditional personal loans, but it provides several alternatives for customers to access capital. You can explore the "Balance Assist" program if you need a small, short-term loan for unexpected expenses. For larger needs, the bank offers home equity lines of credit (HELOC), mortgage products, and car loans. If you require flexible, short-term access to cash, applying for a credit card may also be an option. Since personal loans are not in their product lineup, your best approach is to assess which of these specific lending products—such as a HELOC or an auto loan—best fits the purpose of the funds you are seeking. You can pre-qualify for many of these options through their website or mobile app without affecting your credit score.