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Support Home Verification Can I use my household or spousal income? Can I use my household or spousal income? No. Since this is a personal loan, we only take your personal income into consideration. Was this article helpful? 0 0 Related Questions: Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your...… How much money can I borrow? You can borrow between $3,500 and $20,000.… Can I apply for a second loan? If you currently have a loan from REGIONAL, in order...…