You can apply for a personal loan on your own or with a co-applicant, such as your spouse or parents. Applying jointly can increase your chances of getting a larger loan amount because both of your incomes will be considered. However, if either of you has a poor credit history, it could negatively affect your loan approval. It's important to ensure both of you have good credit scores to improve your chances of success. This approach can help you better meet your financial needs.