The amount that can be borrowed on a personal loan typically depends on several key factors including credit score, income, current debts (debt-to- income ratio), the type of loan, and whether there is a co-signer. Most personal loans max out at around $50,000, though some lenders may offer loans up to $100,000. Key factors controlling borrowing limits:

• Income: Higher income usually allows borrowing higher amounts.
• Credit score: Generally, a credit score of at least 640 is needed for personal loans, and better scores get access to larger amounts.
• Debt-to-income ratio: High existing debts reduce how much can be borrowed.
• Loan type: Secured loans can often support higher loan limits than unsecured loans.
• Co-signers: Adding a co-signer with good credit and income can increase borrowing power.

In general, borrowers should take only as much as needed and what they can afford to repay, balancing loan amount, interest rate, and repayment term.