In-Depth Analysis

LoansUnder36 Review 2024

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Written By
I. Mitic
April 22, 2024
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

LoansUnder36 is not a direct lender - instead, it’s an online matchmaking service that connects borrowers with multiple lenders. The site has put together a network of hundreds of lending partners specializing in personal loans ranging from $500 to $35,000.

Loan amounts
$500 - $35,000

APR range 5.99% - 35.99%

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$500 - $35,000
5.99% - 35.99%
Vary by lender
Almost all 50 States
Up to 60 months
24 hours
pros thumb up Strengths
  • Extensive lender network
  • No minimum credit score requirement
  • No application fees
  • Fast application process
  • One application for all lenders
  • Good loan terms
pros thumb up Weaknesses
  • Poor customer support
  • Unsecured personal loans only

If you are tired of applying for loans with each individual financial institution, LoansUnder36 may be just what the doctor ordered. You fill out a simple online form, LoansUnder36 reviews it, and, before you know it, you’ll be fielding loan proposals from possible lenders. It’s a great way to get the money you need fast – even if you’ve been turned down elsewhere.

LoansUnder36 Overview

loansunder360 features

LoansUnder36 is an online personal loan marketplace established in 2012; this website connects borrowers with a network of lenders. LoansUnder36 specializes in personal loans of $35,000 and less. That might seem like a lot of money, but compared to other platforms, this one is for borrowers who need a relatively small loan amount.

Customer reviews for LoansUnder36 say they use the loans for all sorts of payments – debt consolidation, medical expenses, necessary purchases, and so on. However, it will be a personal loan, so you shouldn’t use it to cover business expenses.

As you may have guessed from the company’s name, the annual percentage rate charged by lenders will always be less than 36%. The precise interest rate in your loan offer is calculated for each borrower separately, so the marketplace doesn’t guarantee specific interest rates, just that they will be up to 35.99%.

Even though there aren’t any official eligibility criteria related to financial history, as always, borrowers with a stable income and good credit history will probably pay less in interest. For those with lower credit scores, the APR can go up to 35.99%.

LoansUnder36 may be a great place to get a personal loan, despite potentially steep interest rates, especially for candidates with low credit scores. For one, LoansUnder36 provides quick, free loan applications without hidden fees. Thanks to the provider’s large network of lenders, each borrower can select a product with the best loan terms and interest rate in the shortest possible time.

In addition to fast personal loans and low APRs for clients with good or excellent credit scores, LoansUnder36 also offers long-term repayment plans. It is no wonder so many clients skip other options and come directly to this marketplace. LoansUnder36 provides instant service, offering a selection of personal loan opportunities immediately.

How Does LoansUnder36 Compare to Other Lenders?

LoansUnder36 Logo
APR Range

5.99% - 35.99%

Min. Credit Score


AmOne Logo
APR Range

3.99% - 35.99%

Min. Credit Score


5kFunds Logo
APR Range

5.99% - 35.99%

Min. Credit Score


LoansUnder36 Financing Types

Before choosing among personal loans online, you should familiarize yourself with the loan options available in general. There are several common types of loans: secured loans, unsecured loans, fixed-rate loans, personal lines of credit, payday loans, etc.

Unlike providers that hook you up with lenders with diverse financial products, LoansUnder36 has only one option: unsecured personal loans. The company’s lenders all provide installment loans, and you’ll have to make either a biweekly or monthly payment for the duration of the loan term.

Unsecured loans are approved based solely on the borrower’s credit history. There is no collateral, which is one of the reasons many borrowers prefer this type of financing. However, the lack of collateral makes unsecured loans risky for lenders; to compensate, the borrower usually pays a higher interest rate.

Small Personal Loans

LoansUnder36 personal loans are small-scale loans. That makes LoansUnder36 an excellent choice for borrowers who need fast funding for personal needs. You can pay off debts, make home repairs, or buy wedding gifts just one business day after applying – you’ll get the agreed-upon loan amount via direct deposit to your active bank account that fast.

Another thing you should know about LoansUnder36 is that the company’s associated lenders offer only fixed-rate personal loan products. That’s a good thing, because your monthly payments will not change during the repayment period no matter what happens.

According to dozens of LoansUnder36 online reviews, this provider matches borrowers with lenders very quickly. Borrowers like LoansUnder36 because it doesn’t charge an origination fee for its services (although its lenders might).

To qualify for a small personal loan at LoansUnder36, you must:

  • Be a US citizen
  • Be 18 years old or older
  • Have a bank account
  • Have a Social Security number
  • Have a steady source of income

These are the basic LoansUnder36 requirements each client must meet to fill out an application. If you live in specific states, you may need to meet a couple of additional eligibility criteria.

LoansUnder36 Application Process

If you meet the essential eligibility criteria and add some basic personal information, you may start the application process for a LoansUnder36 loan. LoansUnder36 processes your request through its network of lenders and chooses the best loan agreement options for you. You save time and energy because you need to fill out only one application.

The whole process is straightforward. It starts with filling out a form at the LoansUnder36 website. You can’t miss the form; it is on the header of the home page. The LoansUnder36 application process starts with a question about the loan amount. Then you’re asked to choose between flexible repayment terms:

  • 1-3 months
  • 3-6 months
  • 6-12 months
  • 1-2 years
  • 3-6 years

This is a secure application process, and we were delighted a few minutes later when LoansUnder36 responded with a list of detailed loans.

Once your application is accepted, you can expect to receive multiple loan offers. Before you accept an offer, you should thoroughly check the loan amounts, repayment periods, and APR. You are not obliged to accept any of the offered loans.

What Information Do I Need to Apply?

If you want to use LoansUnder36 funding services, the website will require your name, email address, Social Security number, bank account information, and driver’s license number. Besides this, the provider will need to check your creditworthiness based on the following criteria:

  • Your income
  • Employment history
  • Bank information

The initial application doesn’t require a “hard” credit check from America’s credit reporting agencies, and there are no minimum credit score requirements. However, having bad credit, for example, will influence your final interest rate with a specific lender.

LoansUnder36 customer support collects additional information as you use the site: IP address, the device and browser you use, demographic data, and so on. Also, LoansUnder36 might check your online activity. That’s all LoansUnder36 needs to know about you. However, once you accept a loan, the lender will probably require more information.

In-Depth Presentation of LoansUnder36 Features

LoansUnder36 is one of the country’s fastest loan providers. The application process takes just minutes, and borrowers receive loan offers within 24 hours. LoansUnder36 has a large base of lenders, and the matching process goes really fast.

Another great thing about LoansUnder36 financing is that you remain in the driver’s seat. The website will give you a list of the best personal loans with different repayment options. The exact loan repayment terms range from a few months to several years, and depend completely on the lenders, but you’ll be able to choose between a long and short term, at least.

LoansUnder36 shares the personal and bank account information you provide with lenders. For this reason, the website uses the latest 256-bit encryption technology. This military-grade encryption code ensures that everything you send to the LoansUnder36 website is encrypted and protected from third parties and cyberattacks.

On the downside, quality customer support is not LoansUnder36’s strong suit. According to LoansUnder36 personal loan reviews, the easiest way to reach an agent is via email. There is also phone support, but sometimes it takes a while to get in touch with an agent. The LoansUnder36 website isn’t much help either: The FAQ provides only basic information, and the site lacks a customer support page.

Loan Amount and APR details

LoansUnder36 loans are small personal loans. Unlike most banks and online lenders, LoansUnder36 will not reject your loan application simply for a bad credit score.

One of the main selling points of LoansUnder36 is competitive interest rates. APR can be as low as 5.99% for clients with good credit scores and stable income.

A poor credit score usually means you’ll need to pay higher fees and interest rates. LoansUnder36 doesn’t make this decision; it is entirely up to the lender. However, the APR can’t go any higher than 35.99%, which is one reason LoansUnder36 might be the best company for your personal loan.

LoansUnder36 Repayment Terms

If you are using this type of service for the first time, you’ll probably have many questions about LoansUnder36’s repayment terms. Before you take out a loan, you must know how much money you need to borrow and how long it will take to repay the loan.

LoansUnder36 collaborates with many lenders, which means you’ll probably get plenty of loan offers. And before you agree with a proposal, you must read the fine print to discover all the rates and fees you’ll be charged.

As for LoansUnder36 fees: There are none. The matchmaking service is completely free of charge. Of course, you’ll need to make payments to the lender, including payments against the principal, interest, and fees.

The LoansUnder36 network consists of lenders that offer fixed-rate loans. Payments are usually once or twice a month. Payments can be charged automatically from your bank account.

If you are late with payments, LoansUnder36 will not charge you anything. However, some lenders have strict rules when it comes to late payments. Before you sign the contract, be sure to check these details with your chosen lender.

LoansUnder36 Customer Reviews

Most positive LoansUnder36 online reviews praise this lender for its fast and secure services. While the business is not BBB accredited, and there aren’t many user reviews on the various aggregators, other review platforms for financial products suggest that this is a legitimate lender.

The Bottom Line

It is a good solution for clients looking for fast funding, since everything can be done within one business day. Each borrower gets several loan offers, which means you can choose the one that best fits your financial position. The company doesn’t require a high credit score, so almost anyone can apply for a loan.


Is LoansUnder36 safe?


Yes, LoansUnder36 is entirely safe. This online loan marketplace has been in operation since 2012. It is a safe and secure platform that connects borrowers with more than 100 lenders.

Where can I borrow money fast?


If you want to skip banks and their lengthy application process, choose an online lender - but find a lender that matches your needs. LoansUnder36 is one of the industry’s best matchmakers between borrowers and lenders. It is one of the best personal loan companies, and will find you a perfect online lender within a day.

What are the best online loans for bad credit?


There are a lot of lenders that give personal loans to clients with bad credit scores. However, finding a lender without minimum credit score requirements is not always easy. To avoid the chance that your loan request will be rejected, we recommend using an online loan marketplace like LoansUnder36, as these rarely have a minimum credit score you have to fulfill.

What is the easiest loan to get?


According to countless LoansUnder36 reviews, this website offers personal loans that are really easy to get. The application process is simple, meaning you can get the funds in your checking account one business day after sending the request.