In some cases, you may be able to increase your personal loan. If you’ve been regularly paying it back, the lender may start to see you as a more reliable borrower. As such, they might be happier to let you borrow more. Sometimes they will even contact you offering to top up your loan, especially as it nears its end. You be careful about accepting such an offer as it could cost more in the long run and there may be better options available elsewhere.