What's the highest personal loan amount I can get?

The $50,000 cap is industry-standard for two reasons. First, it's the unsecured-credit limit where lender risk modelling shifts; above this amount, lenders prefer collateral. Second, it covers the bulk of real-world personal-loan use cases (debt consolidation, major renovations, weddings, medical bills).

For borrowing above $50,000, the cheapest options are usually secured. A HELOC backed by home equity typically offers APRs of 8-11% (vs 10-15% for a $50,000 unsecured personal loan at the same credit tier). The trade-off is the closing process (30-45 days) and the lien on your home.

For non-homeowners or borrowers who don't want a home lien, splitting a large borrowing need into two personal loans from different lenders is sometimes feasible, but the second lender will see the first loan in your DTI calculation and may decline or price higher.