As mentioned above, there are several things that banks and other lenders look at when deciding how much to loan a potential applicant. Your credit score, income, employment history, current employment, and debt-to-income ratio are all used to paint a picture of your overall creditworthiness and risk to the lender. While each lender sets their own application requirements, you can expect most financial institutions to look at all of this basic information when evaluating your loan application. This information can be used to determine how much you qualify for. Loan amounts can vary depending on the borrower's creditworthiness and financial standing. Personal loans are available for as little as $1,000 and as much as $100,000. Apply for the amount you need and see if you qualify. If the lender cannot approve the full amount they can counter with a lesser amount.