Answer: The answer is the secured loan.
Step-by-step explanation: Given that Howard's bank found him creditworthy and gave him a personal loan. We are to state which type of loan did Howard get.
Since the bank found Howard creditworthy, so there is no question of unsecured loan or variable-rate loan. He should definitely get secured loan, because he already has a lot of credit and so he is maintaining a good credit score.
Thus, the answer is the secured loan.
