Loans Under 36 Review

Rating: 9.6 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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LoansUnder36 is an online service that allows consumers to apply for personal loans. The company is not a lender, but collects your personal information to forward to its affiliate lenders.

How is Loans Under 36 rated?


Loan Specifics
Cost of Loan
Lender Reputation

Overall Rating: 9.6 / 10 (Excellent)

LoansUnder36 is an online marketplace for personal loans that connects prospective borrowers to a network of over 100 providers. The company allows for individuals with less than ideal credit. However, the website is relatively new and it is unclear with which lenders it is affiliated. Customers should also be advised that by entering your personal information, you are agreeing to receive communication from LoansUnder36's partners. Additionally, customers are required to supply their bank details, driver's license number, and social security number before they see quotes, which is questionable.

Loans Under 36 Loan Specifics

Loan Specifics - 9.7 / 10

LoansUnder36 provides loans of $500 - $35,000 for terms of 3 to 72 months. The company advertises a quick turn around time and can deposit the funds directly to your account.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Start Business
Loan Minimum
Loan Maximum
Term Length
61 days - 72 months
Direct Deposit
Pay Creditors Directly
Decision Time
2 minutes
Disbursement Time
Next day
Credit Insurance
Unemployment Protection

Representative Loan Sample

For a $5,000 36-month loan at an interest rate of 5.99% with a 2.5% origination fee of $125.00, you will receive a loan amount of $4,875.00 and will make 36 monthly payments of about $153.61 at a 5.99% APR. Total loan cost would be $5,529.88.

Loans Under 36 Qualification

Qualification - 9.5 / 10

In order to qualify for LoansUnder36 you must have a checking account, be 18 years old and a US citizen, and have a regular source of income.
Minimum FICO Score
Not stated
Personal Income Considered
Debt to Income Ratio
Not stated
Verify Bank Account
U.S. Citizen
Hard Credit Pull

Loans Under 36 Cost of Loan

Cost of Loan - 9.5 / 10

LoansUnder36 offers the standard APR range common to the personal loan industry. Fees will entirely depend on the lender you are paired with.
APR Range
5.99% - 35.99%
Origination Fee
Depends on lender
Missed Payment Penalty
Depends on lender

Other Fees

Application Fee
Pre Payment Penalty
Administration Fee
Returned Check Fee
Check Processing Fee

Loans Under 36 Reputation

Lender Reputation - 9.5 / 10

LoansUnder36 has no online reputation and no customer reviews. We were unable to verify the company's address. In light of this, and the personal information LoansUnder36 requires up front, we'd recommend caution with the service until they've built up more of a reputation.
Type of Lender

Company Profile

Full Name
Loans Under 36
Company Website
759 Bloomfield Ave. #244, West Caldwell, NJ, 07006

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Top Rated
Our Partner
9.6 / 10
  • More than 100 partner lenders
  • Borrow loan amount from $1,000 to $35,000
  • Funds wired directly to your account
  • Apply regardless of your credit history
  • Repayment term: 61 days to 72 months
  • Find lenders with under 35.99% APR
  • Free loan matching service