3 Year Loans Personal Loans Review

Rating: 9.1 / 10 (Excellent)
23 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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23 Customer Comments & Reviews

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Sunné C
Oakland, California
I just filled it out. I have pretty good credit and the percentage rate was 651% Are you kidding me? Who does that to people?! Be wise, do not use this company. They are trying to rob people for not reading the terms!

Arlington, Texas
I like it and i hope youll can help

Newport News, Virginia
Says that people with bad credit can receive a loan up to 10k with an APR under 40% Not true, my credit is bad, but I have no judgments and have only been late on a 3 credit card payments and was only offered a 900 LOC with 299.99% APR.

Cherilyn H
Concord, Massachusetts
I got approved for a $875 loan. ok...... so I have to start paying within a week of the loan, and the payments are $223 for 3 years? ummmm...... Am I bad at math here or is this place trying to make BANK here? after 3-4 payments and interest I'd pay it back then some..... no way will I pay thousands of dollars to get money overnight (under 1,000) There is a reason why I needed a loan. NOT to throw away money.

minimum Loan of 1000. HAHAHAHAHA offered me a loan of $875. My payments would be $263 and change. 20 payments........ My math says that is $5200.00 for a $875.00 loan WTAF!!!!! What a Fin joke you guys are!!! STEER CLEAR OF THESE IDIOTS AND THEIR FALSE WORDS!!

virginia a
Cleveland, Ohio
Whenever I ask for a loan from you,you have the nerve to send me on the run across the internet. I NEED A DAMN LOAN NOT exercising my fingers across the internet. I WOULDN;T RECOMMEND YOU AS DOG CATCHER OF THE YEAR.

Saul G
Denver, Colorado
They require routing numbers. Makes zero sense if they aren't the ones giving loan.

Baltimore, Maryland
This app is a complete waste of time and therefore sending you to numerous pop-up pages, of things you didn't even ask for. Please read the reviews before applying for this loan.

No s
Crossville, Tennessee
3 Year Loans is a low-life predatory lender. It markets via unsolicited mass email. It refuses to honor requests to unsubscribe from it's unsolicited emailings, instead sending them over and over and over again. Use this type of white-shoe lender at your peril.

Mountain Center, California
Being a professional business person I found the matching results less than adequate. All I want is to consolidate some higher interest rate credit cards into a lower interest rate personal loan. I pay all my bills when due with no problems, and I work full time as well. Results were in the 29.49% APR range for the lender results that 3yearloans.com is hooked up with. Less than adequate. More lenders need to participate at better rates than what was offered in my opinion. Now I have another ding on my credit.

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