Open Question: Certified cheque for personal loan?

If you have a loan from the bank and want to purchase something or pay for certain expenses, how do you get a certified cheque? Currently I only have a personal cheque and that’s not acceptable as payment. What are my options? Is it even possible?
I can pay for the certified cheque fee, of course. However, I don’t have money to pay the bank upfront since it is a loan from them.