In general, you'll need a DTI below 50% to qualify for a personal loan, but some lenders have stricter requirements. For a personal loan, lenders look at your back-end DTI, which is the total of all of your debt. Divide your debt payments by your monthly income: Divide your total debt payments by your gross monthly income. Personal loan alternatives if your DTI is too highIf your DTI is too high to qualify for a personal loan, consider these alternative options:Apply for a secured loanIn some cases, you can qualify for a secured personal loan even with a higher DTI. Debt-to-income ratio FAQsCan I get a personal loan with a 50% DTI?