Large Personal Loans Over $35K, $50K & $100K

Looking to borrow $35,000, $50,000, $100,000 or even more? Whether you’re covering a big expense or consolidating debt, finding a lender that offers high-limit personal loans can take some digging. We’ll walk you through your options, how different loan types work and what to consider before taking on a large amount of debt.

Compare large personal loans

If you’re searching for personal loans over $35,000, you’ll likely find that not every lender goes that high. But a handful of lenders do offer high-limit personal loans—sometimes up to $100,000 or more. Take a look at your options.

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Finder Score	APR Range	Loan Amount	Loan Term	Broker Compliance	Key Features
Promoted Finder score 8.5 Great Spring Financial Personal Loan	Finder score 8.5 Great	9.99% - 35%	$500 - $35,000	6 - 84 months	Key features: Fast online personal loans	Go to site More info Compare product selection Compare	loading
Promoted Finder score 8.6 Great Loans Canada Personal Loan	Finder score 8.6 Great	9.99% - 35.00%	$250 - $50,000	3 - 60 months	Note: Loans Canada is a loan search platform. Apply once to get matched with lenders based on your credit and borrowing requirements.	Key features: Loan search platform with the largest lender network	Go to site More info Compare product selection Compare	loading
Promoted Finder score 8.5 Great Fat Cat Loans Personal Loan	Finder score 8.5 Great	6.99% - 35.99%	$300 - $50,000	3 - 84 months	Note: Fat Cat is a loan search platform. Apply once to get matched with lenders based on your credit and borrowing requirements.	Key features: Loan search platform for all credit	Go to site More info Compare product selection Compare	loading
Finder score 8.8 Great LoanConnect Personal Loan	Finder score 8.8 Great	8.99% - 35.00%	$500 - $60,000	3 - 120 months	Note: LoanConnect is a loan search platform with access to multiple lenders. Applicants will be matched with a suitable lender based on credit history and borrowing requirements.	Key features: Loan search platform for all credit scores	Go to site More info Compare product selection Compare	loading
Finder score 7.8 Great Fig Personal Loan	Finder score 7.8 Great	8.99% - 29.49%	$2,000 - $35,000	24 - 60 months	Key features: Competitive online personal loans for good credit only	Go to site More info Compare product selection Compare	loading

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How we picked these

Finder Score for personal loans

To make comparing even easier, we came up with the Finder Score. Interest rates, fees and features across 40+ personal loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan—simple.

Read the full methodology

Types of large personal loans

There’s no one-size-fits-all loan when it comes to borrowing $35,000 or more. Your options depend on your credit history, assets and how quickly you need the money. To help you compare your options, here are some of the most common types of large personal loans.

Secured personal loans

Secured personal loans are backed by collateral, like a car, savings or home equity. Because they pose less risk to the lender, they may come with lower rates or higher limits than unsecured options. But if you default, you could lose whatever you put up as collateral.

Unsecured personal loans

With these loans, you don’t need to offer collateral, but lenders require strong credit, stable income and low debt-to-income ratio to qualify for high loan amounts. Rates tend to be higher than secured loans, especially if your credit isn’t excellent.

Debt consolidation loans

Some large personal loans can be used to combine high-interest debt into one monthly payment. These debt consolidation loans may offer direct payment to creditors and help you save on interest—but only if the new rate is lower than what you’re currently paying.

Peer-to-peer (P2P) loans

Peer-to-peer lending platforms like goPeer connect borrowers directly with investors. You may be able to borrow larger amounts if your credit and financials are solid, although funding times can vary, and rates may be higher for bad credit.

Cosigned personal loans

If your credit isn’t strong enough to qualify on your own, applying with a creditworthy cosigner could help you secure a larger loan amount. Keep in mind that your cosigner is equally responsible for repayment—and their credit is on the line, too.

Personal lines of credit

Less common than fixed-term personal loans, a personal line of credit is similar to a home equity line of credit (HELOC), but you don’t need to put your house on the line. With a personal line of credit, you’re approved for a maximum limit that you can draw from any time as needed. But you’ll need excellent credit to qualify for a line of credit with a high maximum, and not all lenders offer this option.

Can you get a large loan with no credit check?

It’s very unlikely you’ll find a lender offering a $35,000+ loan with no credit check. Most lenders use your credit history to determine your eligibility, set your interest rate and assess your ability to repay such a large amount. Skipping this step presents too much risk for most traditional lenders.

However, some lenders offer no credit check loans, but they usually come with much smaller loan amounts, often under $1,500, and much higher interest rates. If you’re exploring that route, be cautious and make sure you understand the terms.

For loans in the $35,000, $50,000 or $100,000+ range, expect at least a soft or hard credit pull during the application process.

Can you get a large loan with bad credit?

It’s possible to qualify for a large personal loan with bad credit, but your options are limited, especially if you’re looking to borrow $35,000 or more. Most lenders prefer a credit score of 660 or higher for high-limit loans, but a few make room for borrowers with lower scores.

easyfinancial is one of the most accessible lenders on our list, with a minimum credit score as low as 300. LoanConnect also works with providers that may accept scores starting at 300. However, rates tend to be higher and loan terms may be more restrictive if your credit isn’t strong.

What is the quickest way to get a large loan online?

The fastest way to get a large loan is to apply with a lender that offers same-day or next-day funding and an application that’s 100% online. Lenders like Prudent Financial and easyfinancial can offer fast approval, but you’ll still need to meet minimum credit score requirements and verify your income to qualify quickly for a large loan.

To speed things up, follow these steps:

• Check your credit score. Knowing your credit profile can help you narrow down lenders more likely to approve you.
• Compare lenders. Look for online lenders with high loan limits, fast funding and no lengthy documentation requirements.
• Prequalify online. Many lenders offer a soft credit check to show you potential rates and amounts without affecting your score.
• Gather documents. Be ready with pay stubs, tax forms and ID to avoid delays.
• Apply and sign electronically. Submitting everything online and opting for e-signature can help you get funded as quickly as the same day.

What to consider before getting a large loan

Taking out a large loan is a big financial commitment. Before you apply, it’s worth weighing the risks to determine if it’s the right solution for you. Here are a few things to think through before signing on the dotted line:

• Can you afford the monthly payments? A loan of $35,000 or more can lead to high monthly payments, especially with short terms or high interest rates. Run the numbers using a loan calculator and check your budget to make sure it fits.
• Do you really need the full amount? Borrowing more than you need can mean paying more in interest over time. Only borrow what you absolutely need to avoid unnecessary debt—it may turn out you only need a small loan to cover your needs.
• What fees are involved? Some lenders charge origination fees, prepayment penalties or late fees that can add to the loan’s total cost. Read the fine print carefully to know exactly what you’re signing up for.
• Is the interest rate competitive? Compare APRs from multiple lenders to be sure you’re getting a fair deal, especially on a large loan where rate differences can mean paying thousands of dollars more in interest.
• How long is the loan term? A longer term may lower your monthly payment, but it also means more interest paid over time. A shorter term costs less in the long run, if you can afford it.
• Is the lender reputable? Stick to well-reviewed, transparent lenders. Large loan offers from unknown sources or ones that don’t check your credit may be scams.

Other ways to borrow a large amount of money

A personal loan isn’t your only option if you need $35,000 or more. Depending on your situation, another type of financing—or even a non-loan alternative—might make more sense. Here are other options:

• HELOC (home equity line of credit). A HELOC works like a credit card backed by your home’s equity. You can draw funds as needed, usually with variable rates and flexible repayment terms.
• Loans from friends or family. Borrowing from people you trust might be an option, especially if you need flexible terms. Just be sure to put the agreement in writing and repay in a timely manner to avoid issues down the road.
• Life insurance loan. If you have permanent life insurance with a cash value, you may be able to borrow against it. There’s no credit check, but unpaid loans reduce your death benefit.
• Stock-secured loan. Some lenders and brokerages let you borrow against the value of your stock portfolio. These loans often come with lower rates than unsecured options, but if your portfolio loses value, you could face a margin call or be forced to sell assets.
• Business loan. If the money is for a business, a small business loan may be a better fit. Business loans often have higher limits and tailored repayment terms.
• Reverse mortgage (for seniors). If you’re 55 or older and own your home, a reverse mortgage allows you to borrow against your equity without monthly repayments—although it reduces your home’s equity over time.

Frequently asked questions

• 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.

To make sure you get accurate and helpful information, this guide has been edited by Stacie Hurst as part of our fact-checking process.

Written by

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. See full bio