Depends on what you have as collateral, such as a car, a house, an apartment building or boat. Also how much you make and how long you have been at that job. Note that the better your level of education, the more money you are most likely to make. All this information is then fed to a computer program and the computer will tell the representative how much to permit you to borrow. The representative can override the computer but that will not happen without the approval of their boss and a very special reason.