3 Year Loans Personal Loans Review

Rating: 9.1 / 10 (Excellent)
38 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from some partners. Learn more.
How is 3 Year Loans rated?
Loan Basics
Service Features
Additional Fees
Customer Experience

**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.

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.


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.  


Start your review for 3 Year Loans Personal Loans

Latest Reviews

Loading Reviews ...
Sherry P
Senatobia, 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

Caroline w
Philadelphia, Pennsylvania
I baught my new car the same day the timeing chain jumped now i need a engine i spent all my money on the purchaseing the car i have 2 girls that need driven to schools and programs and medical appointments i have a good income im just in a bad whole with haveing to repair my car paying my bills puting food on the table and takeing care of two little girls

Tracy O
Grove City, Ohio
Not sure what i am doing never done this before but really could use a loan at this piont in my life

Bill G
Catonsville, Maryland
I need a 1500 loan to get caught up on February's Bills. Lost my wallet I had to cancel all of my accounts.Got the wallet back of course without the 1200 I had in it

Stone Mountain, Georgia
I like how u work with people and give them room to pay back

Dodge City, Kansas
I likr theFast service they provide. And they give you more time to pay it bank

Start your review for 3 Year Loans Personal Loans