• LOAN AMOUNT: ★★★★☆ 4/5
  • APR: ★★★★☆ 4/5
  • REPAYMENT TERMS: ★★★★☆ 4/5
  • REQUIREMENTS: ★★★★★ 5/5
  • CUSTOMER SERVICE: ★★★★★ 5/5
  • APPROVAL TIME: ★★★★★ 5/5
  • AVAILABILITY: ★★★★☆ 4/5

Loans Under 36 Reviews [2022’s Detailed Guide]

  • LOAN AMOUNT: ★★★★☆ 4/5
  • APR: ★★★★☆ 4/5
  • REPAYMENT TERMS: ★★★★☆ 4/5
  • REQUIREMENTS: ★★★★★ 5/5
  • CUSTOMER SERVICE: ★★★★★ 5/5
  • APPROVAL TIME: ★★★★★ 5/5
  • AVAILABILITY: ★★★★☆ 4/5

Best For

Quick Small Amount of Cash


  • Quick 30-minutes approval time
  • Various interest rates and loan term options
  • Highly reliable customer service available via mail/post
  • Wide network of reputable personal loan providers and loan insitutions


  • Not available in all 50 states
  • No phone or live chat support
  • No online education center

Founded in Boca Raton in 2014, Loans Under 36 is the solution for people who need a small injection of cash — in an even smaller time frame! As far as Loans Under 36 reviews go, read this if you’re looking for a comprehensive overview of this impressive loan comparison platform.

As the name implies, Loans Under 36 offers personal loans amounting to under $36,000 with an APR of 35.99% or less.

The platform is free, quick, and easy to use.

Loans Under 36’s network of lenders consists of hundreds of personal loan providers which means that you will be able to find the unsecured personal loans that best suit your needs and budget.

Nobody has the time to sift through the numerous Loans Under 36 online reviews, so we’ve put all the info you need right here in one place. In this review, you’ll discover:

  • what you need to know about the company
  • its personal loan eligibility criteria
  • security, pros & cons

If it sounds like the right platform for you, you’ll appreciate the Loans Under 36 application process review we’ve included.

What Do You Need to Know About Loans Under 36?

  • You can find options with an expected loan amount ranging from short-term loans for as little as $500 to unsecured personal loans up to $35,000.
  • Loans Under 36 offers loans with an annual percentage rate (APR) of between 5.99% to 35.99%.
  • You can choose to pick a monthly payment or a bi-monthly payment option depending on the available offers from Loans Under 36 lenders.
  • The Loans Under 36 loan term repayment ranges from 1 month to 24 months.
  • Loans Under 36 is completely free to use. Any and all fees and penalties (origination fee; prepayment penalty, late payment penalty, returned payment fee) are charged by the lender you opt for as Loans Under 36 is not itself a lender.
  • A large number of lenders make many different types of interests available.
  • Loans Under 36 will connect you to different banks and credit unions that offer an assortment of unsecured personal loans.
  • Automatic withdraw is a feature that most of the platform’s lenders are able to provide you with.
  • Much like other unsecured or secured loan comparison services, Loans Under 36 does not offer its users arbitration services.
  • While Loans Under 36 doesn’t have a prepayment penalty policy, many of its lenders do so this is something to be aware of when selecting your personal loan.
  • Many Loans Under 36 lenders offer personal loan features (mobile app, customer service via phone, no origination fee, etc) to make your borrowing journey much easier.
  • Loans Under 36’s typical approval time of a successful application is three minutes.
  • The typical funding time for personal loans is entirely dependent on the lender.

What Are Loans Under 36 Personal Loan Eligibility Criteria?

One of the reasons why Loans Under 36 is so popular is its eligibility criteria. You don’t need to tick any minimum credit score box nor fall into a specific income threshold bracket. Therefore, people with bad credit can apply for these personal loans as well. Let’s take a look at Loans Under 36’s personal loan eligibility criteria:

  • Years of age: 18 years of age
  • Citizenship: US citizens or permanent residents only
  • Minimum credit score: No such requirements although bear in mind that the lower your score the higher the APR. You can always try repairing your credit first with companies like Credit Saint.
  • Income threshold: No minimum income threshold specified although they do state you will need to have a “regular” source of income
  • Minimum length of credit history: Due to the lack of minimum credit score requirements, there are also no minimum length of credit history requirements
  • Bank account: You must have an active bank account, preferably one with a direct deposit.

How to Apply With Loans Under 36?

If you’re interested in applying for a personal loan with Loans Under 36, be sure to check out this Loans Under 36 application review which details the exact 30-step process.

  1. Visit the Loans Under 36 website at www.loansunder36.com
  2. Enter the loan amount of between $500 to $35,000 that you’d like to apply for.
  3. Pick your preferred loan term repayment from 1 — 3 months, 3 — 6 months, 6 — 12 months, 1 to 2 years, or 3 to 6 years.
  4. Enter your street address and zip code. Enter your first and last name. Enter your email address. Enter your contact number. Enter your date of birth.
  5. Answer yes or no to the questions “Do you have $10,000 or more in credit card debt?”, “Do you have $10,000 or more in unsecured debt?” and “Can you afford an aggregated monthly payment of $250?”.
  6. State whether you’re an active member of the military or not.
  7. State how long you’ve lived at your current place of residence.
  8. Answer yes or no to the question “Do you own your home?”
  9. State whether your income comes from employment or benefits. Enter your employment details, how you get paid, and your monthly gross income. State when your next payday is.
  10. Enter information about your employer’s name and its contact details, your license ID or state ID number, social security number, your ABA routing number, and your bank name and bank account number.
  11. Answer yes or no to the question “Do you have a direct deposit account?”.
  12. State how long you’ve had the bank account in question. Is your account checking or savings account.
  13. Select what you think your approximate credit score is.
  14. State your reason for wanting a personal loan. The options you can pick from our credit card debt relief, student loan debt relief, debt consolidation, or “other”.
  15. Finally, you click “Submit Loan Request”, click “Continue” and wait for five minutes.
  16. You’ll then be notified about the lenders with personal loans that you have preapproval for and will be asked to click “Connect” to be redirected to the relevant lender’s website.

And there you have it: the Loans Under 36 application process review. In as little as five minutes you’ll be connected with Loans Under 36 lenders that have an offer for you. What Loans Under 36 customer reviews often sing home about is that the preapproval doesn’t impact your credit score.

Privacy & Security Policy

The Loans Under 36 team understands the need for privacy and has a superior security policy. Its website is 256-bit secure, WebSecure as well as SSL-secure. It’s worth reading the fine print of its comprehensive privacy policy on its website which clearly details what information they collect from you and how they use it.

Pros Cons
Quick approval time Not available in all 50 states
Various interest rates and loan term options No phone or live chat support
An extensive network of reputable personal loan providers and loan institutions No online education resource center
Highly responsive customer service available via email/post

Loans Under 36 Alternatives

If having access to an online educational resource center is important to you, Loans Under 36 might not cut it. Instead, consider investigating Even Financial or Credible.

Loans Under 36 Vs Even financial

Both companies offer personal loans, and they have both been in the market for 6 years.
However, due to their low loan amount offer which is up to $35,000, Loans Under 36 also has lower terms of up to 24 months.  Even FInancial offers loans of up to $100,000 with terms of up to 84 months.

Loans Under 36 vs Credible

Credible has been on the market 2 years longer than Loans Under 36.
The main difference between these two companies is that Credible requires a minimum credit score of 640, while one of the best 36-month loans with no credit check doesn’t.

Wrap Up

We promised you one of the most detailed Loans Under 36 reviews and that’s what we’ve delivered. If you’re looking for a free online loan comparison service that provides users with access to a wide range of personal loan providers and offers, look no further than Loans Under 36.


Can I refinance my personal loan?

Of course. In fact, many a Loans Under 36 refinance review shows that this is exactly what many people use their Loans Under 36 loan for. You can also use the loan for debt relief or debt consolidation.

What can I use Loans Under 36 personal loan for?

You’ll be asked what you need your personal loan for. The options you can pick from are: credit card debt relief, student loan debt relief, debt consolidation, or “other”. You can use your personal loan sourced from Loans Under 36 for bad credit or to fund an upcoming family holiday — it’s entirely up to you.

Can I get a personal loan online?

Yes,  all personal loans online reviews will tell you you can. Go on the Loans Under 36 platform and you’ll soon have a variety of personal loans offered by an assortment of personal loan providers. You will be redirected to the lender’s site where you can apply. And, if you don’t have all the information regarding personal loans, here is what you need to know as an applicant.

Who is Loans Under 36 personal loan best for?

According to any 36 Month Loans review, Loans Under 36 is a great option for people who don’t have the best credit score but need a quick cash injection. However, there are other companies that offer loans with guaranteed approval, if you would like to check out more options.

What is the Loans Under 36 BBB Rating? Is it accredited?

With the platform not listed or accredited on the BBB website, no Loans Under 36 reviews are available there. That said, the Loans Under 36 rating is generally pretty high on other review sites.

Is loans under 36 legit?

This Loans Under 36 review is a trustworthy article and we have double-checked every single corner on the internet to find out more information about this platform. According to our thorough search, we can clearly say that the company is legitimate.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.