36 Month Loans Review

Rating: 8.8 / 10 (Excellent)
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36 Month Loans is an online financial service that gives consumers access to personal loans. It is a free online matching service that connects consumers to personal loan lenders nationwide. 36 Month Loans does not broker loans to lenders and does not make personal loans or credit decisions.


Loan Matching Service

Loan Details

Unsecured Loans


Minimum Loan Amount


Maximum Loan Amount


*Maximum loan amount may vary for secured and unsecured personal loans

Minimum Loan Period

12 months

Maximum Loan Period

36 months

Loan Rates

36 Month Loans is not a direct lender or broker of personal loans. Personal loan rates range from 11.24% to 35%. Rates can vary according to the borrower’s credit history, financial situation, and credit rating. Rates can also vary from lender to lender. 36 Month Loans is a free service but in some states, origination and documentation fees are added to the cost of a personal loan.

Direct Deposit



Online Application Time

A few minutes

Response Time

Just a few minutes


  • Must be a citizen or legal permanent resident of USA
  • Must have a valid Social Security Number
  • Must be over the age of 18
  • Any of the four: Disability benefits or Social Security Income, Full time and part time employment income, retired, or self-employment or small business income
  • Valid checking account

Other Factors That May Affect Personal Loan Application

  • Less monthly income than debt
  • History of missed or late payments
  • Active or recent bankruptcies
  • Recent charged off accounts
  • Accounts late for over 60 days

How It Works

Applying for a personal loan at 36 Month Loans can be done in three simple steps – Application, Approval, and Money Pick-Up or Transfer. The first step is to submit a borrower’s personal information which includes income, bank account details and desired loan terms.

The information submitted in the personal loan request form is then reviewed by lenders. Decisions are based on the borrower’s credit history, credit rating, and financial situation. Approved personal loan requests are then directed to the loan agreement or given further instructions. While requesting for a personal loan at 36 Month Loans is done entirely online, lenders may require borrowers to sign a loan agreement at a local branch.

For approved personal loan applications, money pickup or transfers can be done either through pickup at the lenders nearest local branch or wired directly to a bank account.

36 Month Loans Summary

36 Month Loans makes searching for personal loans quick and simple. It even allows borrowers with less than ideal credit qualify for personal loans by connecting them with multiple lenders, giving them a better chance to qualify for a loan. The loan matching service enables borrowers to apply once but get presented to a panel of lenders, finding the offer that fits best their needs. Once the application is pre-approved by a lender, the customer is re-directed to the lender's website where he or she will complete the application process and, if the loan is funded, the money can be deposited into the bank account as soon as the next business day.

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Customer Comments & Reviews

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Pappal S
Sunnyvale, California
The website is easy to navigate. The loan decision is lightning fast and the funds were deposited electronically in less than twelve hours. The staff is very personable.

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