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LoansUnder36 Review

Rating: 8.2 / 10 (Excellent)
3 Customer Reviews - see all comments
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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.
 
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How is Loans Under 36 rated?

Breakdown

4.0/5
Flexibility
4.0/5
Interest Rates
4.0/5
Discounts & Fees
4.0/5
Customer Service and Reputation

Overall Rating: 4.1 / 5 (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 - 4.3 / 5

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
Wedding
Moving/Relocation
Vacation
Start Business
Education
Taxes
Loan Minimum
$500.00
Loan Maximum
$35,000
Term Length
61 days - 72 months
Direct Deposit
Yes
Pay Creditors Directly
No
Decision Time
2 minutes
Disbursement Time
Next day
Credit Insurance
No
Unemployment Protection
No

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

Qualifications & Flexibility - 4.3 / 5

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
Yes
Debt to Income Ratio
Not stated
Verify Bank Account
Yes
U.S. Citizen
Yes
Hard Credit Pull
Yes

Loans Under 36 Cost of Loan

Costs, Interest Rates, Discounts & Fees - 4.3 / 5

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

Customer Service and Reputation - 4.3 / 5

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 Institution
Marketplace
Headquarters Address
759 Bloomfield Ave. #244, West Caldwell, NJ, 07006
Homepage URL
https://www.loansunder36.com
Top Rated
Our Partner
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  • Apply regardless of your credit history
  • Find lenders with 5.99% up to 35.99% APR.
  • Funds wired directly to your account
  • Borrow loan amount from $1,000 to $35,000
  • Wide variety to choose from in term lengths
READ FULL REVIEW >

Latest Loans Under 36 Reviews

G
Gregory W

6/30/2021
My mistake, I found myself on 'NEEDLE-IN-A-HAYSTACK.COM" when I really wanted a phone number for Loans Under36 !! Has one simple question,,,,but nowhere to direct it ! Since their site asks for Routing and Account numbers as well as next check deposit dates, it smells awfully like a PAYDAY loan, which under no circumstance, would I ever apply for. In addition to attacking and attaching my financials...they want my two testicles as collateral. I only offered ONE but was declined! I need three grand for three years...BUT I will accept two years.

P
Patrick

8/3/2020
Thanks for mining my private data. Do not waste your time with this drivel they do nothing but sell your info to third party pay day loan places who will give you a 1k loan for 700% INTEREST. I made a big mistake by missing the part where they are not a direct lender.

E
Eric

2/18/2019
Horrible. Don't even try, they will get all of your information then send it to third parties who wont be able to help you and you'll start to get unwanted excessive calls.

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