Personal Loan

Bank of America® Personal Loans

Personal Loans You Can Count On — Fast, Predictable, and Simple Get competitive fixed rates, flexible terms, and a streamlined application experience — all from a name you trust.

Borrow up

Fixed Rates & Terms

Fast Pre-Qualification

No Origination Fee

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  • Borrow up to $50,000: Consolidate debt, cover major expenses, or fund personal projects.
  • Fixed Rates & Terms: Lock in a rate with predictable monthly payments.
  • Fast Pre-Qualification: See your options without affecting your credit score.
  • No Origination Fee or Prepayment Penalty: Save more over time.
  • Automatic Payment Discount: Lower your rate with autopay from a Bank of America account.

  • Check Your Rate: No impact to your credit score.
  • Customize Your Loan: Choose your amount and repayment term.
  • Receive Funds: Get money deposited directly into your account — often within days.

  • 18 years or older
  • U.S. resident with a valid address
  • Existing Bank of America customer (in most cases)
  • Satisfactory credit and stable income
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