How many personal loans can I have at once?

There's no rule limiting personal-loan count. Some individual lenders cap their own exposure at one loan per borrower (so SoFi won't issue you a second SoFi loan while the first is open) but cross-lender there's no aggregate cap.

The binding constraint is DTI. Each existing loan's monthly payment counts against your debt service. By the time you're holding two personal loans plus a car payment plus rent or mortgage, DTI is usually near the threshold where new lenders decline.

It's almost always cheaper to refinance multiple personal loans into a single larger one rather than maintain parallel obligations. Two origination fees, two payment dates, two credit-inquiry sequences, all friction without benefit unless the loans serve genuinely separate purposes at meaningfully different terms.