Review of LoansUnder36

What Is LoansUnder36?

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.

With LoansUnder36 you can safely compare rates from top lenders without having to complete lengthy application forms. The process is fast and easy, and loan amounts start at $500 with a maximum of $35,000.

LoansUnder36 caters to borrowers with all kinds of credit profiles, even lower credit scores are welcome to apply.

You can read more LoansUnder36 reviews below.

Chosen 1,051 times
  • Loans with APRs under 36%
  • Loans from $500 to $35,000
  • Fast and easy approval process
  • No minimum credit score requirement to apply

Products Offered

LoansUnder36 offers a range of personal loans from $500 to $35,000.

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.

To see what loan offers you qualify for through LoansUnder36, simply fill out the quick and easy online LoansUnder36 application.

Want to find out more about the loans offered?

How LoansUnder36 Works

With personal loan APRs capped at 36%, LoansUnder36 is a great alternative to typical high-cost short-term loans.

LoansUnder36’s safe and secure online application process matches you to possible lenders and you can review offers before choosing to apply.

You are under no obligation to select any loan offer, so you can take time and go over the loan amounts, terms, and interest rates before making a decision.

When submitting your loan application, you must provide some basic personal information, like your name, phone number, bank account, and driver’s license.

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

Loan Requirements

Since different lenders have different eligibility criteria and terms, 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 bank account
  • Be a U.S. citizen
  • Have a steady source of income

Rates & Fees

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. The interest rate you receive will be based on your credit assessment and financial history.

Chosen 1,051 times
  • Loans with APRs under 36%
  • Loans from $500 to $35,000
  • Fast and easy approval process
  • No minimum credit score requirement to apply

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.

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 longer 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 LoansUnder36 Compares

CompanyLoan AmountAPRTerm$500 – $35,0005.99-35.99%3 Months – 6 Years
BadCreditLoans$500 – $5,0005.99-35.99%10 Days – 2 Years$500 – $10,0005.99-35.99%3 Months – 6 Years
Fast5KLoans$500 – $35,0005.99-35.99%6 Months – 5 Years
5KFunds$100 – $35,0005.99-35.99%61 Days– 6 Years

How To Apply for a Loan from LoansUnder36

Step 1

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. 

Step 2

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. 

Step 3

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.

Our LoansUnder36 Review


  • Specific eligibility requirements not listed as it varies by lender

  • Not available in New York, Vermont, West Virginia, and Alaska

  • Not a direct lender so loan terms can’t be guaranteed

LoansUnder36 keeps their APRs under 36% to allow for affordable loans. Although only available in 46 states, they offer flexible payment terms from more than 100+ verified U.S. lenders.

Is Loans Under 36 Legit?

Yes. LoansUnder36 is a reputable online marketplace with a network of more than 100 providers.

Customer Support

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

You can read more Loans Under 36 reviews below.

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.

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    Reviews of LoansUnder36

    LoansUnder36 is rated 41 out of 285 companies in total rating and got an average review score of 5 based on 1 review. Their weakness is Interest & Costs and their strength is Support & Service.
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    Johanne 4 reviews | March 30, 2022
    General Review
    loan approval process is fast
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