3 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

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

LoansUnder36 Review 2022

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.

What Is LoansUnder36?

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 3,482 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 applying.

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. Your interest rate will be based on your credit assessment and financial history.

Chosen 3,482 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 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 LoansUnder36 Compares

CompanyLoan AmountAPRTerm
PersonalLoans.com$500 – $35,0005.99-35.99%3 Months – 6 Years
BadCreditLoans$500 – $5,0005.99-35.99%10 Days – 2 Years
CashUSA.com$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 its 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.


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 42 out of 300 companies in total rating and got an average review score of 5 based on 3 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
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eric_chavez reviews | August 25, 2022
General Review
Being able to handle people’s problems efficiently and effectively is a thing worth gratitude in every ramification. What XAP CREDIT SOLUTION did for me and my family is immeasurable, I had a very poor FICO of 510, I had a repo, student loans ,evictions and a couple of late payments. After my niece convinced me I contacted XAP and they boosted my FICO to 790 and removed all evictions, late payments and repo. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would like to engage with their services Email XAPCREDITSOLUTION at GMAIL dot COM. They are the best and surest means of getting your credit fixed. Tell them Eric told you so.
none I can say
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Russell Padgett 1 review | July 22, 2022
General Review
Most times I wonder if DEXFRAME CREDIT REPAIR have the slightest knowledge of how through their outstanding credit repair services, I turned my mind off committing suicide. I could not think less of suicide after my ex-wife secured a divorce and its aftermath was a terrible experience of financial crisis which made it difficult to pay off my loans and multiple credit cards bills. My credit score was ruined. DEXFRAME and his team were the GAME CHANGER; they restored my credit excellently, raised my credit score to 785, my debts were paid off, all derogatory marks and negative items were deleted. No better way to appreciate DexFrame than making this review available to Americans. Contact: DEXFRAMECREDITREPAIR@GMAIL.COM
No downsides
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Johanne 1 review | March 30, 2022
General Review
loan approval process is fast
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