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OP
It's not the personal loan. On desktop, because it can't be done on mobile, it's where the Optional Overdraft is. But make sure you apply for the CLOC and not the OOPS.
***Updated****
Using Desktop on the Products page, click on Checking Protection Options, scroll down a little and click on Apply for Checking Line of Credit. And like @ah20003 said, ask for maxmum amount.
Good luck.
If you apply for the CLOC ask for a $15k line. it is the max. If not approved @ 15k they should counter with the max they will offer you. I recommend using the CLOC for the reapit. If approved, you can reqest a checkbook and write a check directly against that line of credit. Interest rate is a hihg, but better for your credit than maxing out a card.