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3 Year Loans Personal Loans Review

Rating: 9.1 / 10 (Excellent)
43 Customer Comments & Reviews - see all comments
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3 Year Loans is a loan matching service that connects people with multiple personal loan providers. It collects a user's personal information (annual income, credit rating, loan amount) and matches them with hundreds of lenders to give them the best available rates for their personal loan.

**3 Year Loans is out of business. Our editors were notified on January 9, 2017 that they had filed for bankruptcy. If you are seeking a loan comparison site, we recommend LendingTree.


Loan matching service

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any fees. This Website does not constitute an offer or solicitation to lend.  This Website provides a service wherein we submit the information you provide to one or more lenders and attempt to match you with a lender. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be matched with a lender or approved for a loan. The lender may perform a credit check or otherwise verify the information you provide. Not all lenders can provide you with the loan amount you requested. All financial terms of the loan will be presented to you by the lender. Cash transfer times may vary between lenders and may depend on your individual financial institution.

Borrow Responsibly – A short-term loan should be used for short-term financial needs only, not as a long-term financial solution.  You should seek credit counseling if you have financial difficulties.

Loan Details

Unsecured Personal Loans

Minimum Loan Amount


Maximum Loan Amount


Minimum Loan Period

6 Months

Maximum Loan Period

5 Years

Loan Rates

4.99%-29.95% APR
*3 Year Loans is a loan matching service, rates may vary according to matching lender.

Direct Deposit



Loan Release

One Day Release

* The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state.

3 Year Loans Representative Sample

Loan Amount: $8,000, Annual Percentage Rate: 29.95%, Number of Payments: 48, Monthly Payment: $287.82


Online Application Time

5 minutes

Response Time

90 seconds

Basic Qualification

Fair or Better Credit

Income of $2,000 Monthly

US Resident

Current Employment 3+ Months

Current Residence 3+ Months

Personal Information Required

Credit Rating

Social Security Number

Purpose of Loan

Income Type

Length of Residency

Length of Employment

Annual Income

3 Year Loans Summary

3 Year Loans provides an online portal where personal loan seekers can quickly connect with hundreds of lenders nationwide. Being a personal loan matching service, it is able to find the best rates possible. This is especially useful for people with less than ideal credit ratings. The company has a $10,000 maximum, and also offers smaller amounts, say for those looking to rebuild their credit. However, as the company is not the one doing the lending, you should be extra wary with the terms and policies of your personal loans when they connect you to the lender.  


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43 Customer Comments & Reviews

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Sixties M
Los Angeles, California
I was searching for loan to sort out my bills & debts, then i saw comments about blank ATM card that can be hacked to withdraw money from any ATM machines. I doubted thus but decided to give it a try by contacting there email {hackblackcardservice009 @ gmail. com} they responded with their guidelines on how the card works. i'was assured that the card can withdraw $5000 instant & was credited with $500,000.00 so i requested for one & paid the purchasing fee to obtain the card. 72 hrs later, i was shock to see the DHL agent in my resident with a parcel{card} i signed and went back inside and confirmed the card works after the agent left. This is no doubts because i have the card & has made... Read More

Clifton, New Jersey
Good Day, This is to inform the general public that we are currently giving out loan at a low interest rate of 3%. if interested in applying for a loan. Do you think of getting a loan? Are you seriously in need of an urgent loan to start your own business? Are you in debt? This is your chance to achieve your wish, we give personal loans, business loans and corporate loans, and all kinds of loan with interest at 3% for more information contact us via email: williamsmacon1@gmail.com Regards, Mr. Williams Macon

Winter Haven, Florida
Hope you can help me. Im in a pickle. Im about to lose everything. My car payment is due, my house is in forclosure, my wife lost her job, and I have to pay for the kids orthodontist. Even the roaches are losing weight round here.

Gina C
Denver, Colorado
I need a loan for a mobile home asap.

Donna M
Seattle, Washington
I've been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from ghost hackers & we both confirmed it really works, without delay i gave it a go. Ever since then I've been withdrawing $5000 daily from the card & the money has been in my own account. So glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works though its illegal but made me rich!! If you need this card from real hackers then here is their email: paulatmoffice@gmail.com

Sherry P
Coldwater, Mississippi
I aint got loan yet

Kansas City, Kansas
Home improvement on my home

Mary M
Dallas, Texas
I would just like to borrow about $1,500 just enough to get me a car I have a bank account I can pay monthly fees back at a time that's all I need can you help me so I can get me a car on way to go so I won't have to be walk apait everyone big money all the time please help me with a loan I'm a woman of my word and I will pay back thank you

Ben B
Dalhart, Texas
I like it it is very good

Sagar S
SagarSingh2290@gmail.com phone number 9999815802

Top Rated
Our Partner
9.8 / 10

  • Unsecured Personal Loans from $1,000 to $100,000
  • Loans for Debt Consolidation, Large Purchase, Home Improvement, Medical Expenses, and more.
  • Even Compares Top Loan Providers and Matches You Instantly
  • Rates Starting at 4.99% APR 
  • Loan Terms From 24-84 Months
  • Funds Available as Soon as Next Business Day
  • Loan Search Is Free and Will NOT Affect Credit Score