Home → Reviews →

Loans Under 36 Reviews


  • Wide network of lenders
  • Good repayment terms
  • No fees for using the platform


  • Sub-par customer support
  • The only type of credit available is personal loans

Average Rating: 4

Visit Website

It can’t get simpler than Loans Under 36. It does exactly what the name suggests—provide a loan with an APR under 35.99%. The amount you can get ranges anywhere between $500 and $35,000 and the best part is you receive the funds very soon after you’re approved.

The application process for Loans Under 36 is simple—it takes only a couple of minutes to fill in the form, and there are no fees.

Plenty of Options

You can apply for credit with a variety of lenders through Loans Under 36. As many as 100 loan providers offer some of the best deals in the market. The most useful feature of Loans Under 36 is that you don’t have to apply to each lender individually. You can fill one application form, and you’ll receive the best APR based on your creditworthiness.

Who are the Best Candidates for Loans Under 36?

Below is a breakdown of the types of borrowers that can benefit the most from Loans Under 36.

People With With Low to Excellent Credit Scores

Loans Under 36 doesn’t have a credit score limit. Anyone can apply—from those with excellent credit to those that have no or adverse credit history. Having said that, customers with lower credit scores will be offered an APR closer to the upper limit of 36% APR, while those with a high credit score can go as low as 5.99%.

People Looking for Small Loans

People who want small-sized loans apply to Loans Under 36. You can get up to $35,000, but the smallest loan is $500.

You can use the funds for anything—credit offered through Loans Under 36 is perfect for covering minor expenses, such as paying back healthcare debt and renovating your home.

People Who Need Flexibility

This platform is perfect for those who want flexibility. While filling out the application form, you will find many different loan options. There will also be varying repayment timelines—you can choose between a multi-year payment plan or a short-term repayment plan. But keep in mind that the longer you wait to pay off your debt, the more interest you’ll accrue.

People Who Have Few Options

Consumers who have applied to many different lenders with no success can take advantage of Loans Under 36. Lenders on the platform don’t always offer the most affordable APRs, but you can find one that suits your needs and gets approved quickly.

Application Process

The requirements for Loans Under 36 are simpler and easier to satisfy than those of most other loan platforms. As mentioned earlier, you don’t have to worry about applying to individual lenders. Instead, you can fill out one application which will be sent to the lenders separately. Loans Under 36 processes the request through its extensive network of lenders and chooses the one that best fits your needs. This way, you save a lot of time and energy.

The entire process is straightforward. Just go to the Loans Under 36 website and fill out a form on the top of the homepage. Then, you have to answer questions about your loan requirements.

You will have to choose the repayment period. Options include:

  • 1 to 3 months
  • 3 to 6 months
  • 6 to 12 months
  • 1 to 2 years
  • 3 to 6 years

Once you submit your application form, you’ll receive a number of offers from lenders. Before accepting, you must check two things carefully—APR and repayment terms. If you don’t feel comfortable taking any of the loans offered, you are not obliged to do so.

Information Required for the Loan

The Loans Under 36 application requires personal details such as your email address, name, social security number, driver’s license number, and bank account number. That’s because the loan you applied for will be deposited into your bank account directly and immediately, and the platform needs to confirm your identity.

Other than that, the loan provider will need information related to your creditworthiness, such as:

  • Employment history
  • Income
  • Bank information

The lenders don’t necessarily make a hard pull on your credit report. But, the better the credit score, the lower your interest rate.

There will be other important data collected by Loans Under 36, such as the device used for browsing, IP address, and additional demographic information. It may also check online activity for security purposes.

APR and Loan Amount

Loans Under 36 gives access to small personal loan providers, most of which won’t reject your application because of a low credit score. This is often not the case with banks and is one of platforms like Loans Under 36.

Also, you can expect more competitive interest rates than with payday lenders, for instance. APR can go down as low as 5.99% for people with stable incomes and good credit scores.

People with bad credit scores have to pay higher interest rates, though. The rates and fees depend entirely on the lender who approves you for a loan.

Repayment Terms

If you’re using Loans Under 36 for the first time, you might have lots of questions about the repayment terms. Before taking out the loan, you must determine the amount of money you need to borrow and the time it will take you to pay it off.

Since Loans Under 36 works with many lenders, you will get plenty of loan offers. Before agreeing, carefully read the terms and conditions to determine the fees and rates, you’ll be charged. Loans Under 36 itself doesn’t charge any fees—the platform works as a matchmaker. But you’ll incur certain charges from the lender, such as fees, interest, principal, etc.

Lenders under this provider offer loans with a fixed rate. The payments are made a couple of times per month, and they can be deducted automatically from your bank account.

Keep in mind that the loan provider may charge a steep fee for late payments. Make sure to research the lender before signing a contract.

Pros and Cons

Pros of Loans Under 36

  • Wide network of lenders
  • Available to people with lower credit scores
  • No fees for using the platform
  • Straightforward application process
  • Single application required for all lenders
  • Good repayment terms

Cons of Loans Under 36

  • The only type of credit available is personal loans
  • Sub-par customer support


1. Is Loans Under 36 legit?

Loans Under 36 is a fairly credible name on the lender market. Most reviews are positive although there are some complaints. Keep in mind that Loans Under 36 acts as a bridge between you and lenders, so make sure to carefully read the terms the loan provider offers you.

2. Is Loans Under 36 good for bad credit?

Loans Under 36 is an excellent solution for people with bad credit looking for a loan. It doesn’t have a minimum credit score requirement, although the higher your score, the better terms and rates you get.