With no annual fees and no collateral needed, you can secure a loan up to $25,000 with rates as low as 9.49%.If you don't have strong credit, however, rates can go as up as 25.49%.Be sure to review the terms of debt consolidation loan contract before signing.

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If you opt out, though, you may still receive generic advertising.

In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or My Merrill.

We strive to provide you with information about products and services you might find interesting and useful.

Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit.

This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs.

Earn cash back with the Bank Americard Cash Rewards credit card — 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas (up to ,500 in grocery/wholesale club/gas quarterly spend) with no changing categories and no annual fee.

Bank of America's debt consolidation loan is a great option for those with good credit.