It is always a good idea to establish a line of credit, a type of personal loan, with your lenders. Establish a line of credit that covers you if you overdraw the checking account. This way you will avoid any overdraft fees. Revisit this line of credit at least once per year. If your payments have been on time, ask to increase the line of credit. Of course, do not borrow money unless you really need to, but it is good to have a line of credit available for emergencies. Also, your FICO score is based in part on your credit limit and how much of that limit you are using. By increasing your line of credit but not using it, you can improve your FICO score.
Personal loans without collateral to secure them will have a higher interest rate associated with them. However, personal loans are much cheaper than borrowing on your credit card, which is another reason that a line of credit is valuable.