Do you want a loan that is available in quick time? Normally, lenders see your debt to income ratio for this purpose. Personal loans are no collateral loans – you do not need to be a homeowner. The loan amount depends on your income, credit score, loan tenure, etc. You can apply for personal loans with high street banks, building societies, private lenders and on the Internet. Do you know credit score? If not, it is always a good idea to be aware of your credit score before applying for personal loans. More applications and refusals would harm your credit score.