The Q3 2025 TransUnion report shows that borrowers with FICO scores below 600 receive average unsecured personal loans of $1,800, while those with scores 601-660 average $4,500, 661-720 at $9,600 and 781+ at $17,100.

Borrowers can improve approved loan amounts by adding a co-signer or co-borrower with stronger credit and by maintaining a debt-to-income ratio below 36%, although some lenders accept ratios up to 50%.