LoansUnder36 Review – Is It Really Good? Is It Safe? (Detailed Review)

We all need loans for all kinds of personal needs. Sometimes it gets really hard to find trusted safe lender.

LoansUnder36 does exactly what their name suggests by connecting borrowers with lenders who offer personal loans with interest rates under 36%.

LoansUnder36 uses its extensive network of over 100 lenders to help customers with all types of credit histories find financing solutions that are right for them.

With a quick and simple application process, borrowers can find a match in seconds with attractive terms and rates.

These personal loans can be used for a variety of reasons, including debt consolidation, home renovation, business expenses, vacations, weddings, medical expenses, and more.

LoansUnder36’s online network has over a hundred lenders that cater to borrowers with all kinds of credit profiles. Their loans range from simple $500 to $35,000 with loan terms of 61 days to 72 months.

To check what loans you can receive through LoansUnder36, simply fill out the fast and free online LoansUnder36 application.

You must provide some basic personal information through their secure website. This includes your name, phone number, driver’s license, and bank account information.

LoansUnder36’s application process only takes a few minutes to match you to possible lenders. You are under no obligation to choose a loan, so you can go over all these loan terms, amounts, and interest rates before making a final decision.

LoansUnder36 has multiple repayment options. If you are in the market for a short-term loan, you can choose a loan with repayment terms as short as 61 days, on which you make daily or weekly payments. However, if you prefer to have a longer repayment period, you can choose a loan term that lasts up to 72 months.

To put in a free application through LoansUnder36, you simply have to meet the following requirements:

  • You must be 18 or older
  • You must have a bank account (a checking account is preferred)
  • You must be a US citizen
  • You must have a steady source of income
  • You may also have to provide additional information depending on your lender

Contact LoansUnder36

Email: Address: DV Marketing Inc. 759 Bloomfield Ave. #244 West Caldwell, NJ 07006

LoansUnder36 Pros

No minimum credit score requirement to apply: LoansUnder36 offers a wide variety of loan options to fit any credit score.

No credit score impact to check your offers: Consumers can explore loan rates and terms with no effect on their credit score, and there’s no obligation to take any loan offers through LoansUnder36.

Save time with a single streamlined application: Instead of having to apply to lenders one by one, LoansUnder36 enables consumers to compare multiple loan offers from trusted lenders in just a couple of minutes.

Multiple customer support options: LoansUnder36 offers quality customer support via phone, email, or request ticket on their website.

Great customer service: Customers have stated that representatives were knowledgeable and able to answer any questions thoroughly.

Receive your cash quickly: Your funds can be directly deposited into your bank account as soon as the next business day.

Flexible repayment terms: Their loans offer flexible repayment periods for their borrowers, with loan terms lasting from 61 days to 72 months.

LoansUnder36 Cons

LoansUnder36 is not a direct lender, so they cannot guarantee loan amounts and terms.

Although their website offers an FAQ section to answer general questions on loans, they don’t offer more information on the loan details, lenders, and lending process.

LoansUnder36 is a secure website, but they will collect some sensitive and personal data from you, including cookies and activity logs.

However, they will not share it without your permission and only share it with third parties that provide loans. You may also choose to opt out of their mailing lists and promotions.

LoansUnder36 Pricing

LoansUnder36 provides unsecured personal loans, which means that you do not have to put up any collateral like your personal property.

There are no application fees, hidden fees, or prepayment penalties.

Loan amounts offered range from $500 to $35,000.

Loan repayment terms range from 61 days to 72 months.

LoansUnder36 can’t guarantee specific interest rates since loan terms, loan amounts, and interest rates are set by their lending partners.

All loans have interest rates ranging from 5.99% to 35.99%, and the interest rate you receive depends on your credit score and financial history.

The higher your credit score, the lower your interest rate. If you have a low credit score, you will end up paying a much higher interest rate.

Your funds are directly deposited to your bank account on the next business day.

Best For?

  • Borrowers looking for smaller financing amounts

While its partners’ loan amounts are slightly lower than some competitors, LoansUnder36 is perfectly suited to customers who are looking for a small loan to cover an unforeseen expense.

The company’s loan amounts are an appropriate solution to handle unexpected medical expenses, pay for an essential purchase, or cover other large purchases that require quick payment.

  • Customers pursuing flexible loan terms

Finding a feasible repayment term is just as important as finding the right loan amount. Through its partners, LoansUnder36 offers borrowers the ability to choose between short-term repayment periods all the way to multi-year periods that can help even those borrowers with complicated financial backgrounds successfully pay back their loans.

Loan Features

LoansUnder36 focuses on connecting borrowers in need of fast financing with its network of over 100 personal lenders as we said. Thanks to its extensive list of partners, LoansUnder36 proudly works with customers of all credit levels to find financing needed to cover a wide range of unexpected expenses or necessary purchases.

Moreover, LoansUnder36’s partners provide customers with an excellent range of repayment terms that make for flexible financing solutions which are adaptable to a broad variety of needs.

The company’s single application also makes finding a loan easier, as customers are quickly matched with several lenders after completing a short 5-minute application.

With almost instant matching and quick funding, LoansUnder36 can even help customers with weaker credit backgrounds access the funds needed to finance expenses, projects, opportunities, and more.

Highlights for LoansUnder36

One application for every partner in the network

A wide and flexible range of loan terms

Excellent financing options for quick needs

A network of over 100 lending partners

Customers with all credit levels welcome

Usually receive a response in a few minutes

No fees for applying

Receive funds directly to bank account

The Application Process

It’s actually simple.

To get started with LoansUnder36, you simply have to fill out the company’s online application form. Although it is not directly a lender, LoansUnder36 can easily connect borrowers to one of its many lending partners via a non-binding application that does not include any fees.

The initial application collects basic details about potential borrowers, as well as some financial information to get the process started with lenders.

LoansUnder36 is not a lender and cannot guarantee approval for any customer, but does suggest prospective borrowers meet certain requirements to ensure a higher likelihood of receiving financing. These are as we said before:

  • Have a bank account
  • Be 18 years or older
  • Be a US citizen
  • Have a regular source of income

Additionally, customers may have to provide further information to their chosen lender. Once borrowers complete the initial application, they are matched with several potential lenders from which they can choose the best suited for their unique financing needs.

After a loan provider is selected, borrowers agree on final terms, rates, and amounts directly with the chosen lender.

Loan Terms

LoansUnder36 counts on a wide range of lending partners that are readily able to meet a broad variety of funding needs.

LoansUnder36’s financing solutions begin with an easy application, and are best suited for customers who need a fast financing option to cover immediate expenses such as unexpected medical costs or a new purchase.

The company’s lending partners offer loans that start as small as $1,000 and range up to $35,000 in financing. It is important to note that not all partners offer these same amounts, although generally customers can usually find the funding they require easily.

Additionally, LoansUnder36 does not set any restrictions on how the funds can be used. Once their chosen lender has deposited funds into their bank account, borrowers are free to dispense their financing as they see fit.

The company’s partners offer a competitive range of interest rates, ranging from as low as 5.99% – 35.99%. Keep in mind that LoansUnder36 does not guarantee any rates shown on its site, as it is not directly a lender.

Repayment Terms

Borrowers can take advantage of LoansUnder36’s broad repayment alternatives. The company’s partners offer both short and long-term repayment options that make loans incredible adaptable to a multitude of different financial circumstances.

On the short-term end of the spectrum, borrowers can opt for repayment terms as low as 61 days, with repayment terms usually set either weekly or daily.

On the other hand, customers who need more time to effectively repay their loans can choose a long-term term ranging up to 72 months, providing an extensive repayment timeframe. Borrowers should keep in mind that not all of LoansUnder36’s partners offer the same repayment terms.

Privacy & Security

LoansUnder36 is transparent about privacy and security. The company does collect data from customers, including identifying information and some sensitive details.

However, the company does not share the information without user consent, and only do so with third parties to help provide loans for borrowers.

The company also collects cookies and keeps some activity logs, though that information is always kept private. Customers can also opt out of some of the company’s collection practices, as well as its mailing lists and promotions.

Help & Support

Customers who need to get in touch with LoansUnder36 can do so via telephone, email, or request ticket directly on the company’s website. In our experience, customer support representatives over the phone were easy to reach and readily able to answer our questions satisfactorily.

Email requests generally took one business day to receive responses and requests were always answered completely.

The company also offers a FAQ section to address many of the most common and pressing questions customers could encounter during the process.


What is a personal loan?

A personal loan is a large cash fund you can borrow for personal use, like paying off consolidated debt, investing in your home, a vacation, or wedding.

Can I use my personal loan on anything?

Yes, you can use this loan for nearly any personal need that includes funding home renovations or paying off your debts.

What sets LoansUnder36 apart from other lenders?

LoansUnder36 does exactly what its name says by only offering loans with interest rates under 36%. They do not provide these loans directly, but have an extensive network of partner lenders with flexible loan terms, amounts, and interest rates.

How much will a personal loan cost me?

LoansUnder36’s services are completely free to use. However, your lender may charge you other fees in addition to your interest rate, although they are required to inform you of your loan cost before you sign up.

What happens if I miss a payment?

If you have difficulty making your payments, you must contact your lender directly to see if it can be rescheduled.

Most lenders will charge an additional fee for a late payment.

Is my personal information protected?

LoansUnder36 takes your privacy and security seriously and any personal information entered on their website is encrypted and protected.

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