How Much of a Personal Loan Can I Get? Top Factors

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You can also consider a secured loan.\u00a0"}},{"@type":"Question","url":"https://www.moneylion.com/learn/how-much-of-a-personal-loan-can-i-get/#faq-question-1713867328116","name":"Are there any restrictions on how I can use the personal loan funds?","acceptedAnswer":{"@type":"Answer","text":"No, normally, there aren't any restrictions on how you can use personal loan funds. However, your loan agreement may prohibit you from using the money for certain expenses, like gambling or college tuition. In addition, the lender might have restrictions if you apply for a personal loan for a specific purpose.\u00a0"}}]},{"@type":"Person","@id":"https://www.moneylion.com/author/Alison-Kimberly/","name":"Alison Kimberly","url":"https://www.moneylion.com/author/Alison-Kimberly/","image":{"@type":"ImageObject","@id":"https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2021/05/20020332/Alison-Kimberly-headshot-1-96x96.jpg","url":"https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2021/05/20020332/Alison-Kimberly-headshot-1-96x96.jpg","caption":"Alison Kimberly","inLanguage":"en-US"},"worksFor":{"@id":"https://www.moneylion.com/#organization"}},{"@type":"BlogPosting","headline":"How Much of a Personal Loan Can I Get? 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menuButtonLine-0-230 menuButtonLineMiddle-0-232 menuButtonLineLeft-0-234"> <hr class="menu-button-three menuButtonLine-0-230 menuButtonLineMiddle-0-232 menuButtonLineRight-0-235"> </div> </div> </div> </header>  <div class="single-wrapper ml-single-2021"> <div class="single-main-content"> <p class="single-main-content__category"><a class="single-main-content__category__category-link" href="https://www.moneylion.com/borrow/">Borrow</a></p> <p class="single-main-content__date">Oct 1, 2024</p> <h1 class="single-main-content__title">How Much of a Personal Loan Can I Get? Top Factors</h1> <div class="author-wrapper"> <span class="author-name">Written by <a href="https://www.moneylion.com/author/Alison-Kimberly/" title="Posts by Alison Kimberly" rel="author">Alison Kimberly</a> </span> </div> <section class="single-main-content__featured-image-container"> <img width="2048" height="1024" alt="How Much of a Personal Loan Can I Get" title="How Much of a Personal Loan Can I Get" class="single-main-content__featured-image" fetchpriority="high" src="https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get.webp" data-src="https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get.webp" srcset="https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-300x150.webp 300w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1024x512.webp 1024w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-768x384.webp 768w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1536x768.webp 1536w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-750x375.webp 750w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1400x700.webp 1400w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get.webp 2048w" data-srcset="https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-300x150.webp 300w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1024x512.webp 1024w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-768x384.webp 768w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1536x768.webp 1536w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-750x375.webp 750w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get-1400x700.webp 1400w, https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2024/10/01125329/How-Much-of-a-Personal-Loan-Can-I-Get.webp 2048w"> </section> <article class="single-post-article"> <div class="single-post-container"> <div class="entry-content"> <p>Personal loans are a practical way to fund everything from medical bills to home renovations. If you want to make a large purchase and pay it over time, consider a personal loan. </p> <p class="has-text-align-left">Do you need funds now? MoneyLion offers a service to help you find personal loan offers. Based on the information you provide, you can get matched with offers for up to $100,000 from our top providers. </p> <div id="personal-loan-widget" data-variant="liat_v2" data-loan-amount="9000" data-traffic-src="web" data-medium="website_blog_liat" data-campaign-id="how-much-of-a-personal-loan-can-i-get"></div> <script type="text/javascript" src="https://prospects-widgets.moneylion.com/v2/personal_loan.js"></script> <p>Many borrowers also use personal loans to pay for emergencies or unexpected repairs. If you want to consolidate credit card debt or make a large purchase, you’re probably wondering, “how much of a personal loan can I get?”</p> <p>We’re going over everything to know about how much of a personal loan you can expect to get and how much you can generally borrow. Get in the know!</p> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading">How much can I get for a personal loan?</h2> <p>The amount of money you can get for a personal loan depends on how much you qualify for. The amount you qualify for is influenced by your credit score, income, and debt-to-income ratio, alongside the lender’s own criteria. </p> <p>Typically, the maximum amount for a personal loan ranges from $500 to $100,000, but loan amounts can vary amongst different lenders. </p> <p>To get the most accurate picture of how much of a personal loan you can get, you’ll need to apply with various lenders. One of the easiest ways to do this is by using a service of the kind offered by <a href="https://www.moneylion.com/market-place/personal-loans/">MoneyLion</a>, where, based on the info you provide you can get matched with personalized offers from various loan providers. </p> <h2 class="wp-block-heading">6 Factors on how much of a personal loan you can get</h2> <p>Some lenders will allow you to borrow up to $100,000, while others may only offer a maximum of $20,000. However, beyond the lenders’ maximums, there are various factors you can control that can increase your chances of securing a higher loan amount. Here are the factors to consider. </p> <h3 class="wp-block-heading">1. Debt-to-income ratio</h3> <p>Your <a href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/#:~" rel="noopener">debt-to-income ratio (DTI)</a> is the ratio between total monthly debt obligations—including mortgage or rent payments, student loans, auto loans, and other debt—and total monthly income. Lenders use a debt-to-income ratio to assess a borrower’s ability to repay a loan. </p> <p>A low debt-to-income ratio can be a major factor in your maximum loan amount. If you’re already carrying more than 40%, your chances of loan approval go down.  Lenders usually won’t approve a personal loan if your debt-to-income ratio is above 43%, and some look for a DTI of 35% or less. </p> <h3 class="wp-block-heading">2. Credit score</h3> <p>Credit scores play a crucial role in determining loan eligibility. It expresses to lenders the likelihood that you’ll pay back a loan on time or risk default. The higher your credit score, typically the better the possibility of a high loan amount. However, other factors and lender criteria can affect this. Aim for a “good” credit score of 670 to 739 or a “very good” credit score of 740 or higher for increased chances of a higher loan. </p> <p>You can access your full credit report from the three major credit bureaus, Transunion, Experian, and Equifax, at <a href="http://annualcreditreport.com" rel="nofollow noopener">annualcreditreport.com</a>. If your credit report contains incorrect information, <a href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/" rel="noopener">you can dispute it</a>. </p> <p>To improve or maintain your good credit score, start with the basics: pay all credit cards and other debts on time every month. Setting up automatic payments can help prevent late payments. </p> <p><a href="https://www.moneylion.com/learn/how-to-improve-credit-score-in-3-months/#:">Find more tips to build your credit score within three months</a>.</p> <script type="application/javascript" src="https://www.moneylion.com/network/moneylion/dynamic-blog/web-component/dynamic-offer/index.js"></script> <moneylion-dynamic-offer title="Offers for you" product-types="CreditBuilderLoan" ></moneylion-dynamic-offer> <h3 class="wp-block-heading">3. Income</h3> <p>Your income affects your ability to repay the loan. A higher income can lead lenders to feel confident you can meet the monthly payments. While no rules are set in stone, if you’re earning less, even if you don’t have significant debt, lenders may only approve a small personal loan or even deny your application. Depending on the loan amount and repayment period, your income and existing debt can limit the maximum loan you can get. </p> <h3 class="wp-block-heading">4. Employment history</h3> <p>Lenders look for a stable employment history and income that is stable or increasing. Since loan repayment depends on income, the lender may not want to take a chance on you if you have a low salary or an unstable income. If you’re self-employed, you may need to provide additional documentation to prove your income history. </p> <h3 class="wp-block-heading">5. Secured loan vs. unsecured loan</h3> <p>While lender policies differ, you can generally get a larger loan if you opt for a secured loan rather than an unsecured loan. A secured loan gives the lender collateral to recover the loan amount in case you default on the loan, reducing the lender’s risk of loss. Of course, with a secured loan, you risk losing whatever collateral you used to get the loan—often a house, car, or other asset—if you cannot repay the loan on time. </p> <h3 class="wp-block-heading">6. Loan purpose</h3> <p>Interestingly, while you can use a personal loan for anything, certain purposes can help you get more money. Some lenders will offer better rates or longer terms for specific purposes such as home improvement. </p> <p>On the other hand, if you apply for a debt consolidation loan, they’re less likely to give you favorable terms. However, this varies by lender, which is why it’s important to shop around and compare rates to find the best current offers. </p> <h2 class="wp-block-heading">How to calculate how much you can borrow</h2> <p>The amount you can borrow will depend on your financial situation, credit score, and lender policies. However, let’s assume you have a good credit score for the sake of an example.</p> <p>Then, you will start by calculating your total monthly cost, accounting for potential interest on the loan, lender fees, and your desired loan length. A longer loan term will mean lower monthly payments but more interest over the loan’s lifetime.</p> <p>For example, your monthly costs and total interest on a $10,000 loan with a 10% interest rate will vary by loan term. </p> <ul> <li><strong>Five-year term:</strong> If you choose a 5-year (60-month) loan term, you’ll pay $212.47 every month for five years, for a total of $2,748.23 in interest. </li> <li><strong>One-year term: </strong>If you choose to repay the same loan over one year, you will need to pay $879.16 every month for a year. But you’ll only have to pay $549.91 in interest. </li> </ul> <p>While the first option has more affordable monthly payments, you’ll pay much more for that convenience. To save more long term, calculate as much as you can reasonably afford toward your monthly loan without putting your other expenses at risk to keep total costs down. </p> <p>Now, suppose you earn $5,000 monthly before taxes. If you have a monthly mortgage payment of $1,500 plus other fixed expenses of another $1,000, paying off the loan in one year might put too much strain on your budget. In that case, taking the longer term and asking the lender for a loan without an early repayment penalty can allow you to pay more whenever your budget allows.  </p> <h2 class="wp-block-heading">How to choose the right personal loan</h2> <p>Choosing a loan amount that fits your financial situation and repayment ability is a personal decision. However, knowledge is power. The more you can compare lenders and research current interest rates, the more prepared you’ll be to choose a loan that fits your budget.  </p> <p>In addition to carefully shopping for personal loans, it’s essential to read the terms and conditions of the loan agreement before signing. </p> <p>Other tips for choosing the right personal loan:</p> <ul> <li>Check lender reputation and client reviews.</li> <li>Compare maximum loan amounts from various lenders.</li> <li>Consider alternative specialized loans like student debt refinancing or a home equity loan, if they fit your situation. </li> <li>If you have factors working against you, like a low credit score, there are still options available. Consider <a href="https://www.moneylion.com/learn/personal-loans-for-bad-credit-instant-approval/">personal loans for bad credit</a> or working to increase your credit score before applying. Or, <a href="https://www.moneylion.com/learn/100-loan/">find ways to get $100 with same-day funding</a>. </li> </ul> <hr class="wp-block-separator has-alpha-channel-opacity"/> <p class="has-text-align-center"><strong>See cash advance & Earned Wage Access offers from our network of financial partners</strong>:</p> <script type="application/javascript" src="https://www.moneylion.com/network/moneylion/dynamic-blog/web-component/dynamic-offer/index.js"></script> <moneylion-dynamic-offer title="Offers for you" product-types="CashAdvance,EarnedWageAccess" ></moneylion-dynamic-offer> <hr class="wp-block-separator has-alpha-channel-opacity"/> <h2 class="wp-block-heading">Final notes on how much you can borrow</h2> <p>Factors such as your debt-to-income ratio, credit score, total income, employment history, and even the loan purpose can affect the amount you can get for a personal loan. Beyond that,  personal loan amounts vary depending on your chosen lender and overall financial situation when you apply. Remember only to borrow enough for a specific purpose or expense, as repaying the loan with interest can lead to greater financial strain long term. </p> <p>You can use a personal loan calculator to see how different amounts, interest rates, and terms could affect your monthly payment and determine what you can comfortably afford. Remember to compare rates and shop around to find the best available rates. </p> <h2 class="wp-block-heading">FAQ </h2> <div id="rank-math-faq" class="rank-math-block"> <div class="rank-math-list "> <div id="faq-question-1713867315902" class="rank-math-list-item"> <h3 class="rank-math-question ">What is the minimum and maximum loan amount available for a personal loan?</h3> <div class="rank-math-answer "> <p>Individual lender policies differ, but most have maximum personal loans ranging from $500 to $100,000. </p> </div> </div> <div id="faq-question-1713867319675" class="rank-math-list-item"> <h3 class="rank-math-question ">Can I increase my chances of getting a higher personal loan amount?</h3> <div class="rank-math-answer "> <p>Yes, you can increase your chances of getting a higher personal loan by paying off debt, improving your credit score, or increasing your income. You can also consider a secured loan. </p> </div> </div> <div id="faq-question-1713867328116" class="rank-math-list-item"> <h3 class="rank-math-question ">Are there any restrictions on how I can use the personal loan funds?</h3> <div class="rank-math-answer "> <p>No, normally, there aren’t any restrictions on how you can use personal loan funds. However, your loan agreement may prohibit you from using the money for certain expenses, like gambling or college tuition. In addition, the lender might have restrictions if you apply for a personal loan for a specific purpose. </p> </div> </div> </div> </div> </div> </div> </article> <div class="byline"> <img loading="lazy" class="avatar-image" src="https://moneylion.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2021/05/20020332/Alison-Kimberly-headshot-1-96x96.jpg" /> <div> <span class="author-name"> Written by <a href="https://www.moneylion.com/author/Alison-Kimberly/" title="Posts by Alison Kimberly" rel="author">Alison Kimberly</a> </span> <span class="author-bio">Alison Kimberly is a freelance content writer with a Sustainable MBA, uniquely qualified to help individuals and businesses achieve the triple bottom line of environmental, social, and financial profitability. She has been writing for various non-profit organizations for 15+ years. 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