Very few lenders offer personal loans over $50,000, which can make finding an $80,000 loan difficult. In fact, the average personal loan amount was just $6,200 in the first quarter of 2025, according to TransUnion, which is why a personal loan as high as $80,000 is so rare. While you should always compare at least three lenders, it may not be possible — and that means you should consider alternatives even when you apply.
In addition, an $80,000 personal loan is a large responsibility, and because it’s such a large amount, these loans can be harder to qualify for. Before moving forward, assess your needs, assess your budget and determine how you’ll keep up with monthly payments.
Lenders that offer $80,000 personal loans
Personal loans are commonly available from banks, credit unions and online lenders. But fewer lenders offer loans of this size, so it’s especially important to compare options to ensure you qualify and can receive a competitive APR.