3 Year Loans Personal Loans Review

Rating: 9.1 / 10 (Excellent)
23 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from some partners. 
Learn more.
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.  


Leave a comment for 3 Year Loans Personal Loans
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

23 Customer Comments & Reviews

Loading Reviews ...
Tim H
Westmoreland, Tennessee
False advertise claim to lend to all credit types but get rejected after applying

Don H
Madison, Tennessee
I read about the TOP TEN lenders and found this site. It had an 8/10 review and stated low rates. My fico rating of 740 should be fine...right? My application was easily filed with verification of work, address, and banking info. After giving sensitive personal information the site transfers me to another which states the rate will be 25.99%for 3 yr loan.??? AVOID!!! this pack of lyers.

J. B
Pueblo, Colorado
They claim to help no matter your credit score, then deny you and tell you to review your credit score... Waste of time just say upfront like the others that you have to have good credit to apply.

Top Rated
Our Partner
9.9 / 10
  • Loans for Debt Consolidation, Homes, Business, Cars, Vacations, Weddings, Medical Expenses & more
  • Get $1,000 - $35,000 in as little as 24 hours!
  • Unsecured Personal Loans
  • Rates from 5.99% - 35.99% APR
  • Loan terms of 3 mo -15 years
  • Compare up to 5 free offers with no obligation. 
  • When banks compete, you win!