Personal loans increase the overall debt burden, which will have a bearing on the debt-to-income ratio. A high DTI can make you appear riskier to lenders. It may even play a role in future credit availability. However, efficient management of the loan will compensate for the risk when the going gets smooth over time.Personal loans increase the overall debt burden, which will have a bearing on the debt-to-income ratio. A high DTI can make you appear riskier to lenders. It may even play a role in future credit availability. However, efficient management of the loan will compensate for the risk when the going gets smooth over time.