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LoansUnder36 Reviews: Is It The Right Choice In 2023?

Last modified: Mar 23, 2023

Loan Types: Personal Loans
Loan Amount: $500-$35,000
APR Range: 5.99% - 35.99%
Funds Availability: All 50 states
Minimum Revenue: Not specified
Loan Term: 61 days - 72 months
Funding Time: One business day
Credit Score Requirements: None
Pricing: No fees

Loans Under 36 is a lending marketplace that specializes in connecting borrowers with lenders who can meet their particular loan requirements.

So, if you need between $500 and $35,000 and you don’t have the time to check and compare loans online, Loans Under 36 can help you out. 

But with so many online marketplaces to choose from, how to decide if LoansUnder36 is the right one for you?

This is where LoansUnder36 reviews, like ours, come in. Here you will find everything you need to know about the platform, from eligibility criteria to a breakdown of the entire application process. 

About Loans Under 36

Loans Under 36 is a lending marketplace established in 2015 which brings together borrowers with relevant loan providers. 

LoansUnder36 does not provide loans directly. What it does is present borrowers with a slew of options from over 100 vendors in their network, so loan applicants can find the best terms and conditions for their needs. 

LoansUnder36’s name is an obvious nod to the maximum APR value—the platform caps APRs at 36%, making it a more affordable alternative to other short-term loans. Still, the interest rate is set by the lender so if you have a good credit score history, you might take advantage of interest rates as low as 5.99%. If your credit score is bad, then you might expect to get higher APRs.

Who is LoansUnder 36 for?

LoansUnder36 is best suited to:

An In-Depth Look at LoansUnder36 Loans

As mentioned above, LoansUnder36 is not a lender or broker. Since it serves as the middleman between lenders and borrowers, it cannot provide detailed information on loan amounts, loan terms, interest rates, or fees connected to a particular loan. 

That said, LoansUnder36 partners tend to stick within the following ranges.

Loan amount & type 

Loans Under 36 offers unsecured personal loans from as little as $500 up to $35,000, depending on the lender. Keep in mind though that all lenders can go as high as $35,000, so even if you request that amount, you might not find a loan provider willing to offer it. 

What can the loans be used for?

Personal loans offered by LoansUnder36’s affiliate vendors are no different than standard small personal loans. This means that you can use the money for almost anything, including home renovations, debt consolidation, medical bills, car repairs, last-minute holiday bookings, or a medical emergency. 


Loans Under 36 does not determine your annual interest rate. Instead, it is set by your lender and based on your creditworthiness, employment status, and place of residence. 

However, LoansUnder36 ensures customers that the maximum APR on the platform will not go over 36% or under 5.99%. 

Here is a representative example of how much you will need to pay based on the APR and loan term

Amount borrowedLoan termLoan origination feeAPRMonthly repaymentMonthly repayment + 3% feeTotal amount payable
$2,00012 months$6029.82%$189.12$329.44$2269.44

Repayment Terms

Personal loans typically have a minimum repayment term of 60 days and a maximum of 72 months

Payments are required monthly or bi-monthly, depending on the terms and conditions offered by the lender. 

If you choose to, the lender might arrange to have the repayments deducted from your account automatically, which is much more convenient than depositing the money in person. 

LoansUnder36 does not have a prepayment penalty policy in place and won’t charge you anything if you’re late with payments. This is again up to the lender. If you are behind with your payments, it’s best to talk to your loan provider directly. 

Are there any fees?

The services provided by LoansUnder36 are free. That is not to say that the loan won’t cost you anything. Depending on the amount you borrow and other factors, you might be charged extra fees by the lender. 

LoansUnder36 Application Process & Requirements 

The LoansUnder36 application process is as easy as they come. Plus, it’s 100% free.

All you need to do is fill in the form on the official website.

But, before you do that, let’s talk about the eligibility criteria. Namely, to be able to use the services of LoansUnder36, you must meet the following conditions:

If you meet these criteria, you are ready to make your loan request.

LoansUnder36 Application Procedure 

1. Fill out the online loan request form

The first thing you will notice on the Loans Under 36 website is the questionnaire you are required to fill out to get the application procedure started. 

In it, you will need to provide the following information: 

You might also be asked to provide your ​​Social Security number and driver's license number, in addition to other personal information. 

The application approval time is around 5 minutes, and the entire process is done online, so it’s fast as well as convenient. 

Bear in mind that by requesting a loan, you are giving permission to the company or lenders to run a credit check, which may adversely affect your credit score. 

Note: When filling out your loan request, it’s a good idea to have your driver’s license number and bank account details in front of you to expedite the process even further. 

2. Loan offers

After you sign up with LoansUnder36, you will get personal loan offers from the platform’s affiliate lenders. 

Since LoansUnder36 partners with a vast network of loan providers, you will most likely receive various offers with specific terms and rates

Now is the time to carefully review the terms and conditions offered by the lenders that have approached you. This is the most important part as it will determine how much interest you will pay on the loan and the term in which the loan must be repaid in full. 

Lenders will also disclose repayment policies and any additional fees that come with the personal loan. 

You are not obligated to accept any offers. However, if you find a loan offer with favorable terms, you will be asked to provide more information about yourself and then proceed to finalize the deal with the lender. 

3. Getting the loan

After signing a contract with your chosen lender, the funds will be transferred to you within 24 hours. Keep in mind that the loan disbursement time may vary from one lender to the next. 

Privacy and Security 

Since you are sharing sensitive information with the LoansUnder36 website, it’s imperative that you look into the security measures the company uses to protect that data.

Fortunately, LoansUnder36 implements 256-bit SSL technology to encrypt your data and only shares them with lenders to find the perfect loan for you.

Loans Under 36 Customer Support

Currently, there are two ways you can directly contact support representatives: by email (at info@loansunder36.com) and by mail (1223 Wilshire Blvd., #852, Santa Monica, CA 90403-5400). 

Unfortunately, the site itself doesn’t have a support tab or live chat, so it might be harder for customers to reach them. Nevertheless, the questions you might have for LoansUnder36 should not extend beyond the loan request process, as all details regarding the loan itself will be decided by your chosen lender. 

LoansUnder36 Reviews

How is the company rated by its users?

Loansunder36 has a poor rating on TrustPilot based on 4 reviews, which is nowhere near enough to form a complete picture of the company.

Other third-party review sites have been more generous with their rating. FundingHero has given it a 8.9 rating, while MoneyUnder 30 ranks it 7.5/10. 

As far as BBB rating goes, the company is not listed with the Better Business Bureau, so there are no LoansUnder36 reviews from BBB to report on. 

Want to Consider Other Options?

As great as LoansUnder36 is, there are other similar services on the market that can give you the same features and more. 

Here are some of LoansUnder36 biggest alternatives: 

LoansUnder36 vs. Bad Credit Loans

LoansUnder36Bad Credit Loans
APR5.99% - 35.99%5.99% - 35.99%
Amount Range$500 - $35,000$500 - $10,000
Credit ScoreNoneNone
Loan Terms60 days - 72 months3 months - 72 months 

Bad Credit Loans is another lending marketplace where borrowers can quickly connect to an extensive list of lenders and make quick comparisons between them. The biggest difference between the two sites is that Bad Credit Loans offers loans up to $10,000 compared to LoansUnder36 which can go from $500 to $35,000. So if you need a larger sum of money, LoansUnder36 is a better option. 

LoansUnder36 vs. AmOne

APR5.99% - 35.99%2.49% - 35.99%
Amount Range$500 - $35,000$1,000 - $50,000
Credit Score RequirementsNoneNone
Loan Terms60 days - 72 months12 - 84 months 

AmOne is one of the most popular lending platforms, being in the business for 17 years. The site offers an even lower minimum APR than LoansUnder36, although the rates you actually get will depend on numerous factors. The website has an A+ BBB rating, and it doesn’t have minimum credit score requirements. 

AmOne is also available in all 50 states and offers higher loans than Loans Under 36, ranging from $1,000 to $50,000. 

LoansUnder36 vs. CashUSA

APR5.99% - 35.99%5.99% - 35.99%
Amount Range$500 - $35,000$500 - $10,000
Credit ScoreNoneNone
Loan Terms60 days - 72 months3 months - 72 months 

CashUSA, another popular lending platform, specializes in smaller unsecured personal loans up to $10,000. What sets this company apart is that it only runs a soft credit check when you make a loan request, so filling out the CashUSA online application form will not affect your credit score. 


  • No minimum credit score requirement
  • Funds are deposited the following business day
  • Partners with hundreds of lenders
  • Fast application process
  • No application fee
  • APRs capped at 36%
  • APR can be as high as 35.99%
  • Only suitable for smaller loans
  • Not available in all 50 states

LoansUnder36 may not have the greatest rating on review platforms, but it is fast and convenient, connecting you to a loan provider in a matter of minutes from the privacy of your own home. 

Plus, it delivers offers from multiple lenders, so you can compare terms and rates, finding the one that best fits your requirements. Best of all, you don’t need a stellar credit score to make a loan request—LoansUnder36 accepts everyone regardless of their credit history.


Is LoansUnder36 legit?

Yes, Loans Under 36 is a legitimate company that will connect you with trustworthy lenders. 

What is the easiest loan to get approved for?

There are several types of loans that don’t have stringent requirements and have easy approval procedures for bad credit holders, such as payday loans, emergency loans, personal instalment loans, car title loans, and pawnshop loans. 

Where can I borrow money instantly?

If you don’t have the time and energy to go through thousands of loan providers, taking a look at lending marketplaces, like LoansUnder36, is a good idea as the site will match you to relevant lenders and thus help you narrow down your choice. Reading up on a few LoansUnder36 reviews is a must before choosing a lending platform, though. Most of them may seem similar, but there are subtle variations between them that can make all the difference. 

Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.

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