Getting a personal loan for $100k is a bit unusual, but sometimes you need to finance a large project such as major home renovations or perhaps to pay for a serious medical event that requires special treatment.
Most institutions like banks and credit unions that offer large personal loans will require an excellent credit score and a high monthly income for an unsecured loan, but it is possible to find a $100k personal loan online with bad credit.
You may have to secure the loan against collateral or get a co-signer for the loan, and you will still need to show that you have a low debt-to-income ratio and that your monthly income can cover the repayments.
Places That Offer Personal Loans for $100000
There are several places to find a loan for $100k, although they will require a good credit score and a monthly income that is enough to cover the repayments. Here are three of the major lenders:
| Lender | Loan Amount | Repayment Term | APR |
| Lightstream | Min $5k up to $100k | 24 to 144 months | 3.99% to 17.24% |
| SoFi | Min $5k up to $100k | 12 to 84 months | 5,99% to 17.89% |
| Wells Fargo | Min $3k up to $100k | 12 to 60 months | 5.24% to 22.99% |
Conclusion
Most online lenders have a maximum loan amount for unsecured personal loans of $50,000, but you can still get a loan of up to $100,000 if you have an excellent credit score and a high enough monthly income. Even with bad credit, you may still be able to qualify for a $100,000 personal loan if you can offer security or get a co-signer.