What is the maximum personal loan amount available in 2026?

Maximum loan amounts by lender:

LightStream: Up to $100,000. Lowest maximums for lower credit tiers; $100,000 available only for excellent credit (740+).

SoFi: Up to $100,000. Strong income and credit score required for the highest amounts.

Marcus by Goldman Sachs: Up to $40,000. Well-known for no-fee structure; available in most states.

Discover Personal Loans: Up to $40,000. Competitive for good-credit borrowers.

LendingClub: Up to $40,000. Joint applications can support higher amounts.

Upgrade: Up to $50,000. More accessible to fair-credit borrowers than SoFi or LightStream.

Avant: Up to $35,000. Focuses on near-prime borrowers (580-700 range).

Credit unions: Amounts vary widely but some offer unsecured loans up to $50,000-$75,000 for well-qualified members.

Why maximum amounts matter less than qualifying amounts: Even if a lender offers $100,000, your qualifying amount is determined by your income and DTI. A $100,000 loan at 10% APR over 84 months costs $1,622/month. Supporting that payment requires roughly $3,200-$4,000/month in available debt capacity (at 40% DTI), which means $8,000-$10,000/month gross income just for debt payments. Most borrowers qualify for $20,000-$50,000 in practice.

For amounts above $100,000: Unsecured personal loans do not go above $100,000 at any mainstream lender. For amounts above this, a home equity loan/HELOC, a business loan, or a secured personal loan (using assets as collateral) are the available options.