LoansUnder36 Review November 2025

— Review updated Oct 2025

- Oct 31, 2025

LoansUnder36 offers a practical solution for borrowers with less-than-perfect credit seeking loans up to $35,000.

With over 100 lenders on their platform, they offer multiple options through one simple application, with fast approval and next-day funding.

While not a direct lender (meaning final terms vary), their commitment to capping rates at 36% APR provides protection against predatory lending.

Support quality could be improved, as is the case with most loan aggregators.

Read the full review

LoansUnder36 At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

LoansUnder36 generates predominantly negative feedback regarding customer experience. Users frequently report feeling misled by the business model and frustrated by the excessive marketing communications that follow application submission.

Company name

LoansUnder36

Website

http://loansunder36.com/

Phone

(800) 884-8067

Email

info@loansunder36.com

Address

1223 Wilshire Blvd, #852, Santa Monica, CA 90403-5400

Pricing

APRs range from 5.99% to 35.99%, which is typical for the lending marketplace industry. Origination fees vary by lender (1-6% of loan amount), and there might be additional fees depending on the specific lender. No application fees.

Customer Support

Unfortunately, and we've seen this time and again with loan aggregators, it is almost impossible to receive a good answer from their customer support, and this is exactly what happened during our testing of LoansUnder36. Response was mediocre.

Terms and Flexibility

Loan terms are reasonably flexible (2 months to 6 years), offering options for various borrower needs. However, as a marketplace rather than a direct lender, specific terms vary by provider and aren't guaranteed. Loans are unavailable in four states.

Pros & Cons

Ideal for borrowers who don’t have perfect credit
Wide range of loan amounts up to $35,000
No minimum credit score needed to apply
All loans come with APRs of under 36%
Quick and safe online application process
No impact to your credit score to check loan offers
Flexible repayment terms up to 72 months
Multiple customer support options
Fast funding to your bank account in one business day

Not a direct lender, so loan terms can’t be guaranteed
Specific eligibility requirements not listed as it varies by lender
Not available in New York, Vermont, West Virginia, and Alaska

Details

LoansUnder36 Loan

Terms & fees

Loan amount$500 - $35,000

Term2 months - 6 years

Annual interest rate5.99% - 35.99%

Origination feeVaries by lender, typically 1% to 6%

Monthly feesVaries by lender

Requirements

Minimum age18

Minimum income$2,000

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsYes

Early paybackYes

Payment within 24 hoursNo

Loan brokerYes

Interest free loanNo

Additional fields

Payment hoursAlways Open

High approval rateNo

Recommended companyYes

Get started

If you are looking for a quick loan under $35,000 and have bad credit, then you may want to consider LoansUnder36 - an online lending marketplace that connects borrowers with lenders.

The platform has over 100 lenders and rates start from 5.99% to 35.99%. There is no application fee or minimum credit score required to qualify for a loan offer and funds are released as soon as the next business day.

Apply for a Loan on LoansUnder36 Now

How We Rate LoansUnder36

At Financer, all lenders go through a thorough research and review process. Here’s how we rate LoansUnder36:

Category	Rating
Affordability	⭐⭐⭐
Application process	⭐⭐⭐⭐
Loan terms	⭐⭐⭐⭐
Transparency	⭐⭐⭐
Customer support	⭐⭐
Overall	⭐⭐⭐

Do We Recommend LoansUnder36?

Yes, we recommend LoansUnder36 as a reliable lender marketplace. Skip to our full review below and see how we rate LoansUnder36.

Here's what we'll cover in this review:

Want to skip the details? Jump to our final verdict here.

LoansUnder36 Overview

LoansUnder36 is an online loan broker with more than 100 vetted U.S. lenders offering loans with interest rates under 36%.

These personal loans can be used for a range of personal reasons, such as debt consolidation, business expenses, vacations, or home renovations.

The site offers a quick way to obtain multiple loan offers and is suited for borrowers with bad credit looking for loan offerings under $35,000.

With LoansUnder36 you can safely compare rates from top lenders without completing lengthy application forms. The process is fast and easy and funds are released as soon as the next business day.

The platform has over 100 lenders offering unsecured personal loans from $500 to $35,000.

Here's a quick summary of 5KFunds:

Overview	Features
Loan type:	Personal loans
Loan amount:	$500 - $35,000
Loan term:	Up to 60 months
APR:	5.99% to 35.99%
Min. credit score:	None
Monthly fees:	(Varies by lender)
Payout time:	One business day
Weekend payout:	(Varies by lender)
Requirements:	18 years or olderBe a U.S. citizenHave a bank accountHave a steady source of income

Loans can be used for a range of personal reasons, such as debt consolidation, business expenses, vacations, or home renovations.

LoansUnder36 APRs range from 5.99% to 35.99%.

LoansUnder36’s safe and secure online application process matches you with possible lenders and you can review offers before applying.

Want to find out more about their loans? Read our LoansUnder36 review below or view LoansUnder36 reviews from customers.

Visit LoansUnder36 to get started

Who is LoansUnder36 For?

LoansUnder36 is most suited for borrowers with bad credit looking for loan offers under $35,000.

Eligibility Requirements

Since there are different eligibility criteria and terms for each lender, no specific eligibility criteria are listed, LoansUnder36’s secure platform offers flexibility and allows you to compare loan offers from lenders side by side.

At a minimum, borrowers must:

Be at least 18 years or older
Have a valid driver's license or state ID
Have a bank account
Have a valid Social Security Number
Have a minimum monthly income of $2,000

Who It’s For

LoansUnder36 may be a good option for you if:

You need a quick loan under $35,000
You have less than excellent credit

Who It’s Not For

LoansUnder36 may not be a good option for you if:

You need a loan above $35,000
You have excellent credit

How To Apply for a Loan from LoansUnder36

Applying for a LoansUnder36 loan is a simple and easy process. Here are the steps:

Submit Your Application

Visit LoansUnder36's website to start your online application. Provide basic details such as the loan amount you need, and your contact details.

Review Loan Offers

Once you've received offers from lenders, review the terms and rates, before choosing a loan offer that suits your needs. Once you've selected an offer, complete the application process by providing any additional information that the lender may require.

Receive Funds

You will receive an outcome in mere minutes and if your loan is approved, you will receive your funds to your bank account as soon as the next day.

What To Consider Before Applying

How much you need: Loans offered on LoansUnder36 range from $500 to $35,000.
Your credit score: LoansUnder36 is best suited for people with poor or bad credit. If you have excellent credit, you will qualify for loans with better offers than those offered on LoansUnder36.

LoansUnder36 Fees

APRs vary between 5.99% and 35.99%.
There are no usage fees or other hidden fees. The platform is free of charge.
Some lenders may require an origination fee, but this will be disclosed with the loan offer so you know upfront what the total loan costs would be.

LoansUnder36 Payment Terms

There are multiple repayment options; for e.g., if you only need a short-term loan you can repay the loan as fast as 61 days, with daily or weekly loan payments.

If you prefer a more extended repayment period, you can choose a personal loan term that lasts up to 72 months.

Example

A loan of $5,000 with an interest rate of 5.99%, a 2.5% origination fee, and a repayment term of 36 months, will give you a loan amount of $4,875 with 36 monthly payments of around $153.61. The total cost of this loan would be $5,529.88.

How Financer Rates LoansUnder36

Is LoansUnder36 legit? Yes, LoansUnder36 is legit.

At Financer, all companies go through a thorough research and review process. We don’t make recommendations lightly.

Here at Financer, our general opinion of LoansUnder36 is a neutral one.

Although LoansUnder36 has been around for a while and has a broad network of lenders, it has racked up a number of negative reviews over the years.

Application process

Applying for a loan through LoansUnder36 is a pretty simple process. All you have to do is fill out an online application and you will be presented with offers you qualify for.

Costs

With LoansUnder36, all loans come with APRs between 5.99% and 35.99%. There are no application fees, prepayment penalties, or hidden fees.

Some lenders may require an origination fee, but this will be disclosed with the loan offer so you know upfront what the total loan costs would be.

Keep in mind that LoansUnder36 can’t guarantee specific interest rates since loan terms will be set by the specific lender. Your interest rate will be based on your credit assessment and financial history.

Depending on the lender you take out your loan with, there may be late fees when you skip a loan payment. Some lenders may be forgiving if you contact them directly if you feel you’ll have trouble making payments.

Payments

Loans offered on the platform come with multiple payment terms that range from 61 days to 72 months.

Customer Service

LoansUnder36 offers customer support through multiple channels that include email, phone, and a ticket system on their website.

Privacy and Security

LoansUnder36 Review claims that it uses industry-standard encryption to secure data on the site.

Apply for a loan on LoansUnder36

FAQs

How much can I borrow?

You can borrow from $500 up to $35,000.

Can I qualify with bad credit?

You could qualify with a bad credit history as there are no minimum credit score requirements.

Is LoansUnder36 a direct lender?

No. Loans Under 36 is a comparison marketplace that connects you with lenders that provide you with loan offers based on your requirements and credit assessment.

LoansUnder36 Alternatives

Here’s a list of alternatives to LoansUnder36 and how they compare:

Company	Loan Amount	APR	Term
PersonalLoans.com	$500 – $35,000	5.99-35.99%	3 Months – 6 Years
BadCreditLoans	$500 – $5,000	5.99-35.99%	10 Days – 2 Years
CashUSA.com	$500 – $10,000	5.99-35.99%	3 Months – 6 Years
Fast5KLoans	$500 – $35,000	5.99-35.99%	6 Months – 5 Years
5KFunds	$100 – $35,000	5.99-35.99%	61 Days– 6 Years

Should you take a loan with LoansUnder36?

LoansUnder36 allows you to compare rates from top lenders without having to complete lengthy application forms.

What's more, borrowers with all kinds of credit profiles, even those with low credit scores.

With more than 100+ verified lenders, borrowers have access to a reliable network of lenders that can provide loan offers in as little as two minutes.

Applying takes only a few minutes and funds can be paid to your bank account as soon as the next day.

Read more LoansUnder36 reviews from customers below or add your own.

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At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.

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