{"id":747475,"date":"2018-07-14T15:13:32","date_gmt":"2018-07-14T19:13:32","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=747475"},"modified":"2026-03-09T18:36:30","modified_gmt":"2026-03-09T22:36:30","slug":"how-much-can-i-borrow-personal-loan-calculator","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/how-much-can-i-borrow-personal-loan-calculator","title":{"rendered":"Personal loan calculator: How much can I borrow?"},"content":{"rendered":"<script async src='https:\/\/www.finder.com\/parent-theme\/calculators-scripts\/ca5c\/global.js'><\/script><iframe title=\"Calculator\" class='js-iframe-generic-embed' id='fin-calc' data-src='https:\/\/www.finder.com\/wp-content\/mu-plugins\/calculators\/findercalcs\/tools\/hmcib-us-personal.php' width='100%' frameborder='0' scrolling='no' style='border:none;'><\/iframe><h3>How do I use this personal loan affordability calculator?<\/h3><p>Follow these steps to fill out the fields in the calculator. If a field doesn&#8217;t apply to you \u2014 you&#8217;re not a landlord or don&#8217;t have a car loan, for example \u2014 leave that section blank.<\/p><ol><li>Under <strong>Loan Details<\/strong>, select the amount of time you have to pay back the loan next to <strong>Term<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"How long you have to pay back your loan. This calculator asks for a loan term in years.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-1\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-1\">How long you have to pay back your loan. This calculator asks for a loan term in years.<\/span>\n<\/button><\/li><li>Enter an interest rate or <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-fees\" rel=\"noopener noreferrer\">annual percentage rate (APR)<\/a> you think you can qualify for next to <strong>Interest rate<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"A percentage of your loan balance that your lender charges over time.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-2\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-2\">A percentage of your loan balance that your lender charges over time.<\/span>\n<\/button><\/li><li>Next to <strong>Application type<\/strong>, select <strong>Single<\/strong> if you&#8217;re looking to apply on your own or <strong>Joint<\/strong> if you&#8217;re planning on applying for a loan with a cosigner, co-applicant or joint applicant.<\/li><li>Under <strong>Income, <\/strong>enter the amount you earn before taxes per year, month, twice a week or every two weeks next to <strong>Gross Income 1<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"Any money you earn that you pay income taxes on, before taxes apply. This excludes untaxed income like government benefits or money you earn from renting property.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-3\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-3\">Any money you earn that you pay income taxes on, before taxes apply. This excludes untaxed income like government benefits or money you earn from renting property.<\/span>\n<\/button> Select <strong>Annually<\/strong> if you used your yearly salary or <strong>Monthly<\/strong> if you entered your monthly salary. If you wrote the amount you earn each pay period, select <strong>Twice Monthly<\/strong> or <strong>Biweekly<\/strong>, depending on how often your employer pays you.<\/li><li>If you&#8217;re applying with another person, enter their pretax income next to <strong>Gross Income 2<\/strong>. Then select how often they earn this amount.<\/li><li>Write the amount of income you earn that you don&#8217;t have to pay taxes on next to <strong>Untaxed Income<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"Funds you regularly receive that you don&#039;t need to pay taxes on. For example, pensions, Social Security, disability and child support all count as untaxed income.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-4\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-4\">Funds you regularly receive that you don&#039;t need to pay taxes on. For example, pensions, Social Security, disability and child support all count as untaxed income.<\/span>\n<\/button> Select how often you receive this amount.<\/li><li>If you earn money from renting property, enter the amount you earn from your tenants before taxes next to <strong>Rental Income<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"This is any amount you earn from renting an apartment, home or any other personal property, before taxes.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-5\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-5\">This is any amount you earn from renting an apartment, home or any other personal property, before taxes.<\/span>\n<\/button> Select how often you receive this amount.<\/li><li>Under <strong>Expenses<\/strong>, enter the total loan repayments you and your joint applicant pay on any personal loan except for car loans next to <strong>Other loans<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"The amount of any loans in your name \u2014 like personal loans and student loans \u2014 excluding car loans.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-6\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-6\">The amount of any loans in your name \u2014 like personal loans and student loans \u2014 excluding car loans.<\/span>\n<\/button> Select <strong>Monthly<\/strong> if you make one payment a month, <strong>Twice Monthly<\/strong> if you make two payments a month or <strong>Weekly<\/strong> if you make one payment each week.<\/li><li>Write the amount you and your joint applicant pay on your car loans each month next to <strong>Car loan repayments per month<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"If you owe money on your car loan, this refers to your monthly loan repayment.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-7\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-7\">If you owe money on your car loan, this refers to your monthly loan repayment.<\/span>\n<\/button><\/li><li>Enter the combined limit of all credit cards in your and your joint applicant&#8217;s name next to <strong>Total credit card limit<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"The credit limit on each credit card in your name, added up.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-8\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-8\">The credit limit on each credit card in your name, added up.<\/span>\n<\/button><\/li><li>Enter the number of people you and your joint applicant count as a dependent on your taxes next to <strong>Number of dependents<\/strong>.<button\n    class=\"btn-link text-no-decoration\"\n    style=\"vertical-align: top; position: relative; top: -3px; left: 1px;\"\n    rel=\"popover\"\n    data-content=\"he number of people you declare as a dependent on your taxes.\"\n    data-placement=\"top\"\n    aria-label=\"More information\"\n    aria-describedby=\"fin-tooltip-9\"\n>\n    <svg\n        class=\"luna-icon luna-icon--xsmall\"\n        aria-hidden=\"true\"\n    >\n        <use href=\"#info\"><\/use>\n    <\/svg>\n    <span class=\"u-screenReader\" id=\"fin-tooltip-9\">he number of people you declare as a dependent on your taxes.<\/span>\n<\/button><\/li><li>Hit <strong>Calculate.<\/strong><\/li><\/ol><p>The results from the personal loan calculator show how much you may be eligible to borrow, what your monthly repayments would be based on the term and interest rate you filled in and how much you&#8217;d pay total in interest over the life of your loan.<\/p><h4>Results<\/h4><ul class=\"list-10\"><li><strong>Monthly repayments.<\/strong> How much you could potentially pay each month if you took out a loan of the amount you might qualify for with rates and terms you entered under <strong>Loan Details<\/strong>.<\/li><li><strong>Total interest payable.<\/strong> The amount you&#8217;d pay in interest on your loan. If you entered an APR, this is your total loan cost including interest and fees.<\/li><\/ul><h3>How big of a personal loan can I get?<\/h3><p>How big of a loan you can get depends on your personal finances. Generally, borrowers can get as little as $500 and as much as $50,000 in personal loans. Factors that influence how much you can borrow include:<\/p><ul class=\"list-2\"><li><strong>Credit score.<\/strong> Borrowers with good to excellent credit (above 660) will have better chances of getting a high loan amount.<\/li><li><strong>Income.<\/strong> A high income suggests that you have the means to pay back the loan.<\/li><li><strong>Current debts. <\/strong>If you already have a significant amount of monthly debt payments compared to your monthly income, a lender will see you as more of a liability and will be less likely to lend you a large amount of money.<\/li><\/ul><h3>How much loan can I get from a bank?<\/h3><p>Banks typically offer $3,000 to $50,000. If you have an excellent credit score, very high income and low debt-to-income (DTI) ratio, you can borrow as much as $200,000 in unsecured personal loans.<\/p><h3>How much loan can I get with bad credit?<\/h3><p>If you have bad credit below 560, banks and credit unions won&#8217;t approve you for a personal loan, but online lenders can offer <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\">personal loans for bad credit.<\/a> Online lenders usually won&#8217;t go over $10,000 to $15,000 when they lend to people with bad credit. How much you&#8217;ll get approved for will depend on your ability to manage the loan repayments.<\/p><h3>How much loan can I get from an online lender if I have good credit?<\/h3><p>If you have good to excellent credit, it&#8217;s possible to get up to $50,000 from select online lenders. However, other aspects of your finances will need to be strong too, like your income, DTI, housing situation and employment history.<\/p><h3>How can I qualify for the maximum amount offered?<\/h3><p>Consider these tips to help you score the amount you need:<\/p><ul class=\"list-1\"><li><b>Improve your credit.<\/b> A strong credit score will translate to better loan terms. If you&#8217;re after a large amount of money, a credit score above 700 will help you get you the loan amount you want.<\/li><li><b>Lower your debt-to-income ratio (DTI).<\/b> Paying down your existing debts will lower your expenses, increase your credit score and show that you can afford to take out a larger loan. Keep your DTI below 40% to increase your chances of approval, and if you want to increase the amount the lender is willing to give you, aim for a DTI below 20%. <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-to-income-ratio\">Calculate your DTI.<\/a><\/li><li><b>Wait until you have established employment.<\/b> Having a secure source of income, especially if it&#8217;s with a distinguished employer, can help show lenders you&#8217;re able to pay for your loan.<\/li><li><b>Look into a secured loan.<\/b> If you have the collateral available, especially if you own a home, you may be able to<a title=\"Secured Vs. Unsecured Personal Loans\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/secured-loans-canada\" target=\"_blank\" rel=\"noopener noreferrer\"> get a secured loan<\/a> and get approved for a larger amount, with a possibly lower interest rate. This is because you lower the risk for the lender. If you default on your loan, they can repossess your asset to make up for their losses.<\/li><\/ul><h3>What information do I need to provide lenders?<\/h3><p>When you submit an application, lenders take into account a few different pieces of information to determine if you qualify for the loan amount you&#8217;re requesting. These can include:<\/p><ul class=\"list-1\"><li><b>Your loan purpose.<\/b> Many lenders will ask what you plan to use the loan for. Be honest, as this could impact your loan contract and the interest rate you&#8217;re offered in addition to your loan amount.<\/li><li><strong>Your address. <\/strong>You will need to provide your home address.<\/li><li><strong>Rent or own.<\/strong> You will need to state whether you rent or own you home, plus how long you&#8217;ve lived there.<\/li><li><strong>Your monthly expenses.<\/strong> You will need to provide information about your monthly costs, such as car payments, credit card payments and house payments.<\/li><li><b>Credit score.<\/b> While your credit score isn&#8217;t the only deciding factor, it does carry a lot of weight. The better your credit score, the more likely a lender will be to approve you for the maximum loan amount.<\/li><li><strong>Your employment information.<\/strong> Lenders will want to know where you work, how long you&#8217;ve been working for that company and how much you earn.<\/li><li><strong>Your age.<\/strong> In order to qualify for a loan, you will need to be at least 18 (19 in some provinces).<\/li><li><strong>Canadian citizen or resident.<\/strong> If you are not a Canadian citizen or resident, your options are limited as most lenders require this.<\/li><\/ul><h4>Avoid borrowing more than you need<\/h4><p>If you&#8217;re approved for a personal loan, your lender will provide you with the maximum amount <em>you<\/em> can borrow. Although you can take out this amount \u2014 and may have to, depending on your project \u2014 this might not be the smartest move.<\/p><p>That&#8217;s because the more you borrow, the more you&#8217;ll pay in interest and fees. If you don&#8217;t even need to borrow as much as you&#8217;re being offered, to save on loan costs, ask your lender if you can borrow less before signing your loan documents.<\/p><h3>Bottom line<\/h3><p>The maximum amount available for a personal loan and the maximum amount <em>you<\/em> can borrow will vary depending on the lender and your financial situation. <a title=\"Personal Loans\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\" rel=\"noopener noreferrer\">Find the right personal loan lender<\/a> and see how much you&#8217;re eligible to borrow as well as what types of rates you may be offered. If it matches with your budget, you may be on your way to financing that next big purchase in your life.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What can I use my personal loan for?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can use your personal loan for just about anything legitimate. Common purposes include <a title=\"Debt Consolidation Loans\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-consolidation-loans\" target=\"_blank\" rel=\"noopener noreferrer\">debt consolidation<\/a>, <a title=\"Home Improvement Loans\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/home-improvement-loans\" target=\"_blank\" rel=\"noopener noreferrer\">home renovation<\/a> and making large purchases. Certain lenders may limit your uses \u2013 for instance, some may not allow you to use a personal loan for secondary education costs \u2013 but in general, how you use your loan funds depends entirely on your needs.<\/p><p><a title=\"Personal Loan Pre-Approval\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-pre-approval\" target=\"_blank\" rel=\"noopener noreferrer\">Some lenders offer pre-approvals<\/a> that allow you to get your rates and terms, so you can see what amount you could qualify for. These preapprovals typically don&#8217;t require a hard credit check, which means you can seek pre-approval from multiple lenders to find the most competitive and affordable loan for your needs.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I borrow more than one personal loan at the same time?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends. Some lenders will only allow you to take out one personal loan at a time, while others may allow multiple or may increase your current loan. You&#8217;ll find lenders that allow consecutive borrowing but limit the total amount you can borrow or alter the prerequisites you must meet.<\/p><p>Want to take out a second personal loan with a different lender? Since you typically must disclose your current debts to a lender before applying for a loan, the new lender will see that you already have an open personal loan with a different lender. It will be up to their discretion whether they extend you a loan or not.<\/p><p>Check your budget to determine whether you can actually afford more than one loan. Missing payments could hurt your credit score and your ability to get financing in the future. Remember that taking out a second loan will increase your debt-to-income ratio, which means your credit score will take a dip.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What do I do if I can't make a payment?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Contact your lender. It&#8217;s often better to let your lender know and possibly work out a plan than to simply accept the late fee and penalties.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">If I don't qualify for the amount I want, can I get a cosigner?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Some lenders will allow <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loans-with-cosigners\" target=\"_blank\" rel=\"noopener noreferrer\">cosigners for personal loans<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: center;\n      outline: 0;\n      position: absolute;\n      z-index: 81;\n      width: 100%;\n      display: none;\n  }\n  \n  \/* Modal Content *\/\n  .fenceModal-content {\n      display: -webkit-box;\n      display: -webkit-flex;\n      display: -ms-flexbox;\n      display: flex;\n      -webkit-box-orient: vertical;\n      -webkit-box-direction: normal;\n      -webkit-flex-direction: column;\n      -ms-flex-direction: column;\n      flex-direction: column;\n      margin: 1rem;\n      max-height: 100%\n  }\n  \n  .fenceModal-buttonText {\n      font-weight: bold;\n      font-size: 18px;\n  }\n  \n  .blurred {\n    filter: blur(5px) !important;\n    pointer-events: none;\n    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                                                                                                                                                                                                                                            \n                      \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   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