Based on the information provided, Howard received a personal loan from his bank. A personal loan is a type of loan that is generally unsecured, meaning it does not require collateral. It is typically granted based on the borrower's creditworthiness, which is an evaluation of their ability to repay the loan based on factors such as their credit history, income, and financial stability. Therefore, Howard's bank determined that he was creditworthy and granted him a personal loan.
