{"id":578809,"date":"2026-08-04T10:33:53","date_gmt":"2026-08-04T09:33:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=578809"},"modified":"2026-08-04T12:06:33","modified_gmt":"2026-08-04T11:06:33","slug":"how-much-can-you-borrow","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/how-much-can-you-borrow","title":{"rendered":"How much can you borrow with a personal loan?"},"content":{"rendered":"<p>When you take out a personal loan, you borrow a fixed amount from a lender then pay it back with interest over a set time period, typically with fixed monthly repayments. Personal loans are generally used for things such as home renovations, holidays, buying a car, debt consolidation or weddings.<\/p><p>If a loan is \u201csecured\u201d against the equity in your property, that\u2019ll typically allow you to borrow more. But by doing this, you\u2019re putting your house on the line \u2013 which is a big decision and shouldn\u2019t be entered into without careful consideration and expert advice. In this article, we\u2019re focusing on \u201cunsecured\u201d loans.<\/p><p>Lenders consider factors like your income, credit score and borrowing history when deciding whether to offer you a loan and what interest rate to charge (<a href=\"https:\/\/www.finder.com\/uk\/personal-loans#whatsapr\">learn more about APR<\/a>). The amount you\u2019ll be able to borrow will depend on what the lender is willing to offer and how much your circumstances will allow you to borrow. In some cases, if you\u2019re already an existing customer, you might get offered a better rate. <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/the-aa-personal-loans\">The AA<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/marks-and-spencer-personal-loans\">M&#038;S Bank<\/a> do this with their members, for example.<\/p><p>A personal loan gives you cash upfront to make your purchase, then lets you spread the cost over time. You should compare your options and understand how much each loan would cost you before deciding. <\/p><p>When you want to take out a <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">personal loan<\/a>, you\u2019ll need to explore a range of options so you can find the best one for your needs.<\/p><h3>What factors affect how much you can borrow with a personal loan?<\/h3><ul><li><strong>Income and employment.<\/strong> A lender will need to know how much you earn so it can calculate how much you can afford to repay. Having a stable income and employment can be a positive factor when lenders assess your application, although they will consider a range of factors before making a lending decision.<\/li><li><strong>Purpose.<\/strong> Some lenders will ask how you plan to use the loan. You should answer honestly, as the intended purpose can affect the loan terms offered, including the amount you can borrow and the interest rate.<\/li><li><strong>Credit score and repayment history.<\/strong> While your credit score is only one of the factors lenders consider, it can still be an important one. A stronger credit score and a history of borrowing and repaying responsibly may improve your chances of being approved and could help you access better terms or a higher loan amount.<\/li><li><strong>Affordability.<\/strong> Most lenders will look at your existing debts, how stable your income is, and how your income compares with your outgoings when deciding whether you can afford the loan.<\/li><\/ul><h3>How much can you borrow with a personal loan?<\/h3><p>Maximum loan amounts vary between lenders. Many offer unsecured loans up to around \u00a325,000, while some lenders like The AA (\u00a335,000) offer higher amounts.<\/p><p>However, the amount you can borrow will depend on several factors, including your financial history and credit profile. Many lenders prefer applicants with stronger credit histories, as this can indicate that they are more likely to repay their loan on time.<\/p><p>If you are approved, the lender will tell you the total amount you can borrow. It is also important to think carefully about how much you need and what you can afford to repay before taking out a loan.<\/p><h3>How can I qualify for the maximum amount offered?<\/h3><p>Most personal loan providers set maximum lending limits, but the amount you can borrow will depend on several factors, including your financial circumstances and credit history.<\/p><p>There is no guarantee you will be approved for the amount you want, however these steps may strengthen your application, although they do not guarantee approval:<\/p><ul><li><strong>Improve your credit profile.<\/strong> A stronger credit history may help you access better loan terms and, in some cases, a higher borrowing amount.<\/li><li><strong>Lower your debt-to-income ratio.<\/strong> Paying down existing debts may improve your affordability position and show that you can manage additional borrowing.<\/li><li><strong>Establish stable employment.<\/strong> A regular and reliable source of income may help demonstrate that you are able to repay the loan.<\/li><\/ul><h3>What is the maximum amount you can borrow with a personal loan?<\/h3><p>Maximum loan amounts vary by lender and depend on your financial circumstances, credit history and affordability. The AA currently offers personal loans from \u00a31,000 to \u00a335,000, subject to eligibility and affordability, while Nationwide and Zopa both currently offer loans of a higher amount in some circumstances.<\/p><p>However, borrowing the maximum available amount may not always be the best option. A larger loan can mean higher monthly repayments and more interest overall, so it is worth borrowing only what you need and can afford to repay.<\/p><h3>How much can I afford to borrow?<\/h3><p>A lender will only offer a loan amount it believes you can afford to repay, but it is also important to understand your own borrowing limits. You should work through your budget to check whether you could comfortably afford the repayments on the amount you are considering.<\/p><p>Add up your regular monthly outgoings, including existing debt payments, and subtract this from your take-home pay. It is sensible to leave some extra room in your budget in case your circumstances change.<\/p><p>You can also use our personal loan borrowing calculator to help you estimate how much you may be able to borrow.<\/p><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block\"><form class=\"luna-form\" onsubmit=\"return false\"><fieldset class=\"luna-form__fieldset\"><legend class=\"luna-legend no-margin-bottom has-padding-bottom-xsmall\">Monthly repayments calculator (illustrative)<\/legend><p class=\"has-margin-bottom\">Get a rough idea of how much you could expect to pay each month for different loan amounts, terms and rates.<\/p><div class=\"luna-form__group\"><div class=\"luna-form__field u-1\/3@s\"><label class=\"luna-label\" for=\"monthlyLoan_amount\">Loan amount<\/label><\/p><div class=\"luna-affix\"><span class=\"luna-affix__label\">\u00a3<\/span><br \/><input type=\"number\" min=\"0\" class=\"luna-input calc-input\" title=\"Enter the loan amount you want to borrow\" id=\"monthlyLoan_amount\" \/><\/div><\/div><div class=\"luna-form__field u-1\/3@s\"><label class=\"luna-label\" for=\"monthlyLoan_amount\">Loan term (years)<\/label><\/p><div class=\"luna-affix\"><input type=\"number\" min=\"0\" class=\"luna-input calc-input\" title=\"Enter the loan amount you want to borrow\" id=\"monthlyLoan_term\" \/><br \/><span class=\"luna-affix__label\">years<\/span><\/div><\/div><div class=\"luna-form__field u-1\/3@s\"><label class=\"luna-label\" for=\"monthlyLoan_amount\">Interest rate (p.a.)<\/label><\/p><div class=\"luna-affix\"><input type=\"number\" min=\"0\" class=\"luna-input calc-input\" title=\"Enter the loan amount you want to borrow\" id=\"monthlyLoan_interest\" step=\"0.1\" \/><br \/><span class=\"luna-affix__label\">%<\/span><\/div><\/div><\/div><div class=\"luna-form__group\"><div class=\"luna-form__actions\"><button class=\"luna-button luna-button--primary\" onclick=\"calculate_monthlyCost()\">Calculate<\/button><\/div><\/div><\/fieldset><\/form><article class=\"luna-card luna-card--alt has-margin-top-small\"><div class=\"luna-card__block text-x-large\"><div id=\"monthlyRepayment_directions\"><p class=\"no-margin-bottom\">Fill out the form and click on &#8220;Calculate&#8221; to see your estimated monthly payment.<\/p><\/div><div class=\"savings-div\" id=\"monthlyRepayment_savings-div\" style=\"display: none;\"><p class=\"no-margin-bottom\"><span>You can expect to pay around <strong class=\"bigamount\">\u00a3<span id=\"monthlycost\"><\/span><\/strong> per month<\/span> with a total payable of <strong class=\"bigamount\">\u00a3<span id=\"totalcost\"><\/span><\/strong><\/p><p><i>Example only. Actual rates and repayments depend on the loan offered.<\/i><\/p><\/div><\/div><\/article><\/div><\/article><p>For the purposes of this calculator, we&#8217;ve made a few assumptions \u2013 such as a <a href=\"#fixed\" class=\"scroll\">fixed rate of interest<\/a>. We&#8217;ve also assumed that there are no set-up fees associated with the product, which tends to hold true in the majority of cases (you&#8217;ll want to double-this is the case for the loan that you&#8217;re considering). We&#8217;ve also assumed that the monthly repayments will be equal (give or take a few pence) \u2013 it&#8217;s not unheard of for lenders to structure loans with decreasing repayment amounts, or with repayment holidays (where the borrower makes no repayments for, say, the first two months of the loan, for example).<\/p><h3>How are monthly personal loan repayments calculated?<\/h3><p>Your estimated monthly payment depends on several factors, including the amount you borrow, the interest rate and the loan term.<\/p><p>Your lender will calculate the total amount you need to repay over the full loan term, based on the amount borrowed and the interest charged, and then divide this by the number of months in the term to work out your monthly repayments. If you are able to make extra repayments, you may reduce the total interest you pay overall. However, some lenders may charge a fee for early repayment, so it is worth checking the terms before making additional payments.<\/p><h3>What to compare when choosing a personal loan provider<\/h3><div style=\"overflow-x:scroll;\"><table class=\"luna-table personal-loan-providers\" id=\"personal-loan-providers\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Factors<\/th><th scope=\"col\">Why it matters<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Loan terms<\/th><td>A longer loan term may lower your monthly repayments, but you may pay more interest overall.<\/td><\/tr><tr><th>Interest rates<\/th><td>A higher interest rate will usually increase the total cost of the loan.<\/td><\/tr><tr><th>Loan amount<\/th><td>Check that the lender offers the amount you want to borrow.<\/td><\/tr><tr><th>Application process<\/th><td>Some lenders have a simpler application process than others, so it can help to compare how easy it is to apply.<\/td><\/tr><tr><th>Online quote<\/th><td>Some lenders let you get a quote online before applying, which can help you compare your options.<\/td><\/tr><tr><th>Customer reviews &#038; reputation<\/th><td>Customer service may be an important consideration, particularly if you later need support with your loan. In our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/personal-loans-customer-satisfaction-awards\">latest customer satisfaction survey<\/a>, lenders such as M&#038;S Bank, The AA and Lendable were highly rated for their customer service.<\/td><\/tr><\/tbody><\/table><\/div><h3>Understanding eligibility checks: What do lenders look at?<\/h3><p>Some lenders let you check your eligibility for a personal loan using a soft search. This can help you see whether you are likely to be eligible before you make a full application, and it should not affect your credit score.<\/p><p>Lenders assess applications differently, but they will usually consider your income, regular expenses, credit history, existing debt and ability to repay.<\/p><p>Before applying, it is worth checking your options, as a full application will usually involve a hard credit search, which may affect your credit score.<\/p><h3>Why is affordability important?<\/h3><p>Affordability is one of the most important things to consider when applying for a personal loan.<\/p><p>It is useful to look at the monthly repayments, but you should also consider the total amount repayable over the full term of the loan. This gives you a better picture of the overall cost and the financial commitment involved.<\/p><p>Even if you can afford the repayments now, your circumstances could change during the loan term. It is sensible to leave some room in your budget before deciding how much to borrow.<\/p><p>A longer repayment term may reduce your monthly repayments, but you may end up paying more in total over the life of the loan.<\/p><h3>Bottom line<\/h3><p>The maximum amount available and the amount you can borrow will vary by lender and depend on your financial circumstances. Lenders assess a range of factors when deciding what they may offer. Even if a lender advertises a maximum loan amount, that does not mean you will be offered that amount. Before borrowing, make sure the repayments are affordable for you and that you do not borrow more than you need.<\/p><h3>Frequently asked questions<\/h3><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">How do credit scores affect personal loan borrowing limits?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Your credit score gives lenders an indication of your credit history. A stronger credit score may improve your chances of being offered a larger loan amount or better terms, while a lower score may mean fewer options or a lower amount being offered. Lenders also consider other factors, such as your income, existing borrowing and affordability.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Why do lenders review credit history?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Credit history helps lenders understand how you have managed borrowing in the past and assess your application as part of their affordability and risk checks.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">How do loan repayments work?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Repayments are usually made in fixed monthly instalments over an agreed term. The amount paid each month depends on the loan amount, interest rate and repayment period.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">How can I figure out the maximum amount that I qualify for?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Some lenders let you check your eligibility before you apply. This usually involves a soft credit search, which does not affect your credit score. If you meet the lender&#8217;s initial criteria, they may give you an indication of the amount you could borrow and the terms you may be offered. A full application will usually involve additional checks before a final lending decision is made.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Can I borrow through more than one loan at the same time?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Some lenders may allow you to have more than one loan at once, subject to their criteria and affordability checks. They may also limit the total amount you can borrow. Before applying, make sure the repayments are affordable, as missing repayments could negatively affect your credit file and may make it harder to borrow in future.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">What is an affordability check?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>An affordability check helps a lender assess whether the repayments are likely to be manageable alongside your existing financial commitments.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h4 itemprop=\"name\">Can I check my eligibility before applying?<\/h4><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Some lenders and credit brokers offer eligibility checks using a soft search, which can give you an indication of whether you may be eligible before making a full application. Availability and the way these checks work varies between providers.<\/p><\/div><\/div><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>We break down everything you need to know about how much you can borrow if you decide to get personal loan.<\/p>\n","protected":false},"author":639,"featured_media":579533,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"2026-07-16T15:15:01","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-08-04 09:34:07\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-578809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How much can you borrow with a personal loan? - Finder UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/how-much-can-you-borrow\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much can you borrow with a personal loan?\" \/>\n<meta property=\"og:description\" content=\"We break down everything you need to know about how much you can borrow if you decide to get personal loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/how-much-can-you-borrow\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-04T09:33:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2026\/07\/jason_personal_loans.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jason Loewenthal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jason Loewenthal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow\"},\"author\":{\"name\":\"Jason Loewenthal\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/9e17420e96fcfdf0d0fd4a676608e6df\"},\"headline\":\"How much can you borrow with a personal loan?\",\"datePublished\":\"2026-08-04T09:33:53+00:00\",\"dateModified\":\"2026-08-04T10:34:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow\"},\"wordCount\":1988,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2026\\\/07\\\/jason_personal_loans.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/#organization\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/personal-loans\\\/how-much-can-you-borrow\",\"name\":\"How much can you borrow with a personal loan? 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