Are you are looking to take out a personal cash loan? Do you have a good credit? If so, then you will have good change of taking it out from your bank. However, if you have need the money fast, personal loans from banks are not a good choice. Also, if you have a bad credit, applying for it will be a very tricky process. They usually take several days or weeks to process so you cannot really use the money within the time of your need.