How Much Can You Borrow?
Requests run from $200 to $5,000, repaid over 3 to 24 months. See the monthly payment for every common amount, how lenders decide your limit, and how to choose the right size loan.
Through mobiloans you can request $200 to $5,000. Smaller loans usually run 3 to 12 months, mid-size loans 6 to 18 months, and larger loans 12 to 24 months. Your approved amount depends on your income, credit and state.
- $200 to $1,000
- 3 to 12 months
- $1,000 to $2,500
- 6 to 18 months
- $2,500 to $5,000
- 12 to 24 months
- $1,000, 12 months, 29.99% APR
- $97.48/month
Loan Amount Tiers
Lenders in our network match the term to the amount so payments stay realistic. Small loans are paid back quickly; larger ones can be spread over up to two years.
Typical term for each amount
Bigger loans get longer terms so payments stay manageable
$200 to $1,000
Urgent bills, a car battery, a prescription or a utility catch-up.
$1,000 to $2,500
Car repairs, medical or dental bills, a rent gap or deposit.
$2,500 to $5,000
Moving costs, larger repairs or consolidating several bills.
Monthly Payment by Amount and Term
Choose an APR to see estimated monthly payments. Lenders in our network offer 5.99% to 35.99% APR depending on your credit and state.
| Amount | 3 months | 6 months | 12 months | 18 months | 24 months |
|---|---|---|---|---|---|
| $200 | $67.33 | $33.92 | $17.21 | $11.65 | $8.86 |
| $300 | $101.00 | $50.88 | $25.82 | $17.47 | $13.29 |
| $500 | $168.33 | $84.80 | $43.03 | $29.11 | $22.16 |
| $750 | $252.50 | $127.19 | $64.55 | $43.67 | $33.24 |
| $1,000 | $336.67 | $169.59 | $86.06 | $58.23 | $44.32 |
| $1,500 | $505.00 | $254.39 | $129.09 | $87.34 | $66.47 |
| $2,000 | $673.33 | $339.18 | $172.12 | $116.45 | $88.63 |
| $2,500 | $841.67 | $423.98 | $215.15 | $145.57 | $110.79 |
| $3,000 | $1,010.00 | $508.77 | $258.19 | $174.68 | $132.95 |
| $4,000 | $1,346.67 | $678.36 | $344.25 | $232.91 | $177.26 |
| $5,000 | $1,683.33 | $847.95 | $430.31 | $291.14 | $221.58 |
| Amount | 3 months | 6 months | 12 months | 18 months | 24 months |
|---|---|---|---|---|---|
| $200 | $68.68 | $35.11 | $18.34 | $12.76 | $9.98 |
| $300 | $103.01 | $52.66 | $27.50 | $19.14 | $14.98 |
| $500 | $171.69 | $87.76 | $45.84 | $31.90 | $24.96 |
| $750 | $257.54 | $131.64 | $68.76 | $47.85 | $37.44 |
| $1,000 | $343.38 | $175.53 | $91.68 | $63.81 | $49.92 |
| $1,500 | $515.07 | $263.29 | $137.52 | $95.71 | $74.89 |
| $2,000 | $686.77 | $351.05 | $183.36 | $127.61 | $99.85 |
| $2,500 | $858.46 | $438.81 | $229.20 | $159.51 | $124.81 |
| $3,000 | $1,030.15 | $526.58 | $275.04 | $191.42 | $149.77 |
| $4,000 | $1,373.53 | $702.10 | $366.72 | $255.22 | $199.70 |
| $5,000 | $1,716.91 | $877.63 | $458.40 | $319.03 | $249.62 |
| Amount | 3 months | 6 months | 12 months | 18 months | 24 months |
|---|---|---|---|---|---|
| $200 | $70.03 | $36.31 | $19.50 | $13.93 | $11.18 |
| $300 | $105.04 | $54.46 | $29.24 | $20.90 | $16.77 |
| $500 | $175.07 | $90.77 | $48.74 | $34.83 | $27.95 |
| $750 | $262.60 | $136.16 | $73.11 | $52.25 | $41.93 |
| $1,000 | $350.13 | $181.54 | $97.48 | $69.67 | $55.91 |
| $1,500 | $525.20 | $272.32 | $146.22 | $104.50 | $83.86 |
| $2,000 | $700.26 | $363.09 | $194.96 | $139.33 | $111.82 |
| $2,500 | $875.33 | $453.86 | $243.71 | $174.16 | $139.77 |
| $3,000 | $1,050.39 | $544.63 | $292.45 | $209.00 | $167.72 |
| $4,000 | $1,400.53 | $726.18 | $389.93 | $278.66 | $223.63 |
| $5,000 | $1,750.66 | $907.72 | $487.41 | $348.33 | $279.54 |
| Amount | 3 months | 6 months | 12 months | 18 months | 24 months |
|---|---|---|---|---|---|
| $200 | $70.70 | $36.92 | $20.09 | $14.54 | $11.81 |
| $300 | $106.06 | $55.38 | $30.14 | $21.81 | $17.71 |
| $500 | $176.76 | $92.30 | $50.23 | $36.35 | $29.52 |
| $750 | $265.14 | $138.44 | $75.34 | $54.53 | $44.28 |
| $1,000 | $353.52 | $184.59 | $100.46 | $72.70 | $59.04 |
| $1,500 | $530.29 | $276.89 | $150.69 | $109.06 | $88.56 |
| $2,000 | $707.05 | $369.18 | $200.91 | $145.41 | $118.08 |
| $2,500 | $883.81 | $461.48 | $251.14 | $181.76 | $147.61 |
| $3,000 | $1,060.57 | $553.78 | $301.37 | $218.11 | $177.13 |
| $4,000 | $1,414.10 | $738.37 | $401.83 | $290.81 | $236.17 |
| $5,000 | $1,767.62 | $922.96 | $502.29 | $363.52 | $295.21 |
Estimates assume equal monthly payments with no origination fee. Highlighted row shows the most common request. Not every amount is available at every term; larger loans usually need longer terms. For a custom estimate, use the loan calculator.
How Lenders Decide Your Amount
Each lender uses its own underwriting, but most look at the same core factors:
Income
How much you take home and how regularly, verified through pay information or bank deposits.
Existing debts
Your current payments compared with your income, often called your debt-to-income ratio.
Banking history
Account age, regular deposits and few returned payments signal you can handle a loan payment.
Credit and state rules
Your credit history and your state's lending laws can cap the amount or term available.
Choosing the Right Amount
- Borrow for the specific cost, not the maximum you're offered. Get a written quote first if you can.
- Check the payment against your budget. After rent, food, transport and other debts, the payment should still leave room for surprises.
- Prefer the shortest affordable term. You'll pay less interest overall.
- Plan for early payoff. Extra payments reduce your total cost with most lenders.
Every $100 counts. At 35.99% APR over 12 months, borrowing $100 less saves about $21 in interest.
Loan Amount FAQ
What's the smallest and largest amount I can request?
You can request from $200 to $5,000 through mobiloans. Lenders decide the final amount, and not every lender offers loans up to $5,000.
Why was I offered less than I asked for?
Lenders size loans to what they believe you can repay, based on your income, existing debts, banking history and state rules. A smaller first loan is common, and some lenders offer larger amounts later to customers who repay on time.
How do I choose the right term?
Pick the shortest term with a payment you can comfortably afford. Shorter terms cost less overall; longer terms lower each payment but add interest.
Does the amount I request affect my approval?
It can. Asking for more than your income supports may lower your chances or lead to a smaller offer. Requesting only what you need is usually the strongest approach.
Reviewed by the mobiloans editorial team. Last updated October 3, 2026.
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