What's the largest personal loan I can get?

The borrowing limit for many lenders is at or under $50,000, but some—like easyfinancial and Prudent Financial —offer larger personal loans of up to $150,000 and $500,000 respectively. Your credit, income and debt-to-income ratio determine how much you qualify for.

How hard is it to get a $100,000 personal loan?

It's not easy to get a loan this large, but it's possible if you have excellent credit, a steady income and little debt. Most lenders require a strong financial profile to approve six-figure loan amounts.

Can you get a $200,000 personal loan?

Yes, although it's rare. You'll need to apply to a financial institution, such as one of the Big Five.

Christi Gorbett

Contributor

Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more.

As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade.

This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field.