Special situations

Can I get a personal loan during or after divorce?

Short answer

Yes. Divorce doesn't affect personal-loan approval directly. The relevant variables are your individual credit, individual income, and individual DTI. If joint debts are still in both spouses' names during the divorce, both income and both debt obligations factor into each person's separate underwriting.

Context

During divorce, your financial profile is technically still joint with your spouse until decree. Most lenders underwrite to your individual credit and income, but they see joint debts in your credit report. If you're still on a joint mortgage, the full mortgage payment counts against your DTI even though you might be paying only half.

Post-divorce, separating joint debt is important. Refinancing joint debt into individual debt (refinancing the joint mortgage, paying off joint cards) cleans up the picture for future borrowing. Until that happens, joint obligations cap your individual borrowing capacity.

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

Glossary: DTI

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