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The maximum personal loan amount available to the most qualified applicants is $100,000, at least among major lenders. But only a few major lenders even offer the chance of loan amounts as high as $100,000. Two notable options are LightStream and Wells Fargo. Generally, lenders’ maximums can be anywhere from $25,000 to $100,000.
But just because a lender might advertise large amounts, like $100,000, doesn’t necessarily mean you will be approved to borrow that much. Getting anything close to the maximum loan amount requires having a very high credit score, a lot of income, and little existing debt. If you only meet the lender’s minimum requirements, you are more likely to get a minimum amount of $1,000 to $5,000.
Personal Loan Limits by Lender:
- LightStream: $100,000 maximum
- Wells Fargo: $100,000 maximum
- SoFi: $100,000 maximum
- USAA: $50,000 maximum
- Upstart: $50,000 maximum
- Prosper: $40,000 maximum
- Marcus: $40,000 maximum
- Achieve Personal Loans: $40,000 maximum
- Discover: $35,000 maximum
- Avant: $35,000 maximum
- LendingPoint: $25,000 maximum
Those are just some of the major lenders currently offering personal loans. And remember, every personal loan provider has its own maximum loan amount. Personal loan limits aren’t set by law, or anything like that.
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