Yes, banks do provide personal loans, but whether they give you one depends a lot on personal circumstances. You generally need a higher credit rating than you would for a secured loan (like for a car), and your income matters too.

If the loan is specifically for consolidating debts, be sure to mention that on the application. If it’s for bills (car insurance is considered a bill, not a debt), it might be tougher to get approved.

The best place to start is a bank where you already have a credit history.

If your credit isn’t so good, you might try applying at general finance companies rather than banks, like American General Finance. They have higher interest rates, but will also approve you where banks may not.

Students have in the past used a car title on a paid off car as collateral for the loan if they have one, but its ususally from a finance company and not a bank. Try calling your credit card company and asking for a credit line increase. Take a cash advance on the credit card after you get the credit line increase to pay some your current debt. Dont do this often as it can get expensive and get you in bigtime debt. Borrow from mom and dad. Pawn a valuable item you have. My favorite college teachers motto was “beg borrow steal, whatever it takes” and “steal before starve”. I dont condone strealing but theres a time and place for everything.