LoansUnder36 Review [2024]: Personal Loan Offers, No Matter Your Credit Score

Need a personal loan quickly? LoansUnder36 connects you with a network of over 100 lenders (for free) in minutes, no matter your credit score.
Updated May 10, 2024
Fact checked
Woman typing on laptop computer

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

LoansUnder361 is a lending marketplace that connects borrowers with lenders offering personal loans in nearly all 50 states. The company doesn’t provide loans directly but rather presents borrowers with options for how to get a loan from its lending affiliates, all of which will include interest rates ranging from 5.99%-35.99% (as of May 23, 2023).

Because there are a lot of companies offering personal loans (and loan marketplaces), it’s important to do your research before working with one. When it comes to LoansUnder36, we’ve done some of that homework for you. Here’s everything you need to know before deciding whether LoansUnder36 is the right lending marketplace for your needs.

Quick Summary

Get matched quickly with loans that meet your specific needs.

  • Loan options up to $35K
  • No application fee or minimum credit score needed
  • Receive your funds as soon as the next business day
In this LoansUnder36 review

LoansUnder36: Is it worth it?

Loans Under 36%
Pros Cons
  • Receive loan offers from a variety of companies
  • Doesn’t charge any fees
  • Must provide bank information before getting loan options
  • Loans limited to $35,000
Our verdict: LoansUnder36 requires a lot of personal information before you get loan offers, including your bank information. It does save time by connecting you with up to five lenders, but you may want to apply for a loan with banks, credit unions, and other online lenders as well to find the best rate.

What is LoansUnder36?

LoansUnder36 is an unsecured personal loan marketplace that was launched in 2012. An unsecured loan is a loan that doesn't require property to secure it, like a house or car. The company offers access to both short-term and long-term loans. Because it’s not a direct lender, it’s important to note that it will be sharing your information with other loan providers. 

According to the LoansUnder36 website, your information will be shared with up to five lenders. By knowing in advance that the company is a marketplace and not a lender, you’ll be better prepared for the range of offers and communications you receive.

Screenshot of Loansunder36 disclaimer

While it doesn't have a BBB rating, various review sites, including Consumers Advocate and The Credit Review indicate that LoansUnder36 is a well-rated company with generally happy customers. On Trustpilot, however, LoansUnder36 has a 2.7 out of 5 rating based on only a few customer reviews. 

With fast service and loans sometimes being received as quickly as the next business day, LoansUnder36 affiliates’ personal loans can be relied on even in emergency situations — like unexpected medical bills, car repairs, or even last-minute vacation expenses. Because of the wide range of loan products its affiliates offer, it’s easy to find a loan that fits your needs.

Alternatives to LoansUnder36

Borrow Up to $50K to Finally Crush Your Debt

Fill out one quick application and get multiple loan offers. No application fee and no minimum credit score to apply.

Get your loan offer
Get Personal Loan Results Up to $100K in Under 2 Minutes

Shop lenders and compare rates.

See your offers

Which loan products does LoansUnder36 offer?

LoansUnder36 is a lending marketplace that specializes in connecting you with a range of lending partners offering personal loans. Personal loans provided by LoansUnder36 affiliate lenders start at just $500 and go all the way up to $35,000, with repayment periods anywhere between two months and six years. Loan terms and eligibility criteria may vary depending on the lender.

All affiliate lenders of the company offer personal loan interest rates ranging from 5.99%-35.99% (as of May 23, 2023) — a wide range that allows even those borrowers with poor credit to apply. Because personal loans are typically considered unsecured debt, they tend to have higher interest rates, but depending on your credit score, you may be able to secure something with a lower interest rate.

Although the company offers its services free of charge, you may be responsible for paying fees to whatever lender you choose to work with. And despite these general ranges set by the company, all lenders will negotiate the exact terms of their loans directly with you — including loan amounts, interest rates, loan repayment terms, and origination fees.

After signing up with LoansUnder36, you’ll receive personal loan offers from its network of more than 100 affiliate lenders. Because these lenders are ultimately competing for your business, you’ll have your pick of which loan is best for your needs. As with any personal loan, these loans can be used for anything, including credit card debt consolidation, home improvements, auto repairs, personal projects, or even medical bills. If you’re looking to improve your credit score, taking out a personal loan may help you build credit.

Because LoansUnder36 is a marketplace and not a lender, you’re not under any obligation to accept a loan offer. If you apply and don't find the right loan for your needs, you can pass on every offer. Just know that once your information is in its system, you’ll need to opt-out of receiving new offers from lenders.

Do you need good credit to apply for a loan with LoansUnder36?

To apply for a personal loan with LoansUnder36, you must be at least 18 years old and a U.S. citizen or permanent resident. Although there’s no minimum credit score requirement to apply, it’s generally understood that higher credit scores will yield better loan offers. Ideally, you should also have a bank account with direct deposit. 

In addition to your credit history, LoansUnder36 will also consider all of the usual personal loan requirements, including things like your debt-to-income ratio and monthly income. 

Keep in mind that though the company matches borrowers with lenders in most states, some services may not be available in your area.

How to apply for a loan with LoansUnder36

If you’re wondering how to apply for an online loan with LoansUnder36, rest assured that the loan application process is simple. You’ll need to enter some personal information, including your bank's routing number, bank account information, driver's license number, phone number, source of income, and Social Security number into an online form. 

By providing this, you also agree to the company’s terms, which include sharing this information with lenders and possibly even conducting a credit check on your behalf.

screenshot of LoansUnder36 application

Although most of this is fairly straightforward for a lending marketplace, it’s still good to be aware of. After applying, you can expect to receive a response rather quickly, with some borrowers even receiving a decision within minutes and having approved funds disbursed the next day.

Once you receive offers, you'll complete your loan agreement with the lender you choose. 

FAQs about LoansUnder36

Is LoansUnder36 legit?

Yes, LoansUnder36 is a credible lending marketplace that connects consumers with a network of lenders offering personal loans. If you have questions about loans or lending partners, you can contact LoansUnder36 customer support via phone or email.

What credit score do you need for LoansUnder36?

Borrowers who have bad credit or low credit aren't excluded from applying for a personal loan through LoansUnder36. Although there’s no set credit score required to borrow from a LoansUnder36 affiliate, the higher your credit score, the more likely you are to secure a loan with low interest rates.

How much can you borrow with LoansUnder36?

LoansUnder36 affiliate lenders offer loans between $500 and $35,000. The amount you can borrow will likely depend on your individual financial circumstances and creditworthiness.

LoansUnder36 review: Bottom line

If you’re in the market for a personal loan, LoansUnder36 might be a good option. With a straightforward process that gives you some choice as to who you borrow from, it’s a good way to get a sense of the personal loans you qualify for in a short amount of time.

Just keep in mind that there are a lot of lending marketplaces (and lenders) out there, and it pays to shop around. Be sure to look at the loan terms as well as the monthly payment, late payment fees, and whether the loan has a prepayment penalty. 

If you’re looking for other borrowing options, be sure to check out our comprehensive list of the best personal loans on the market — and, as always, do your homework before signing up.

Disclaimer: All loan rates, amounts, and terms are accurate as of February 10, 2023.

AmONE Personal Loans Benefits

  • Loans up to $50,000
  • Min. Credit Score: 600
  • APR: 3.99%-35.99% (as of May 31, 2023)
  • No Collateral Needed

Author Details

Larissa Runkle Larissa writes for FinanceBuzz and divides her time between a cabin in the San Juan Mountains and traveling in a van. She enjoys writing about travel, debt relief, personal loans, and mortgages. Her work has been featured on MagnifyMoney, LendingTree, and Outside of finance and real estate writing, she’s also at work on several fiction projects. When away from the computer, you’ll find her reading, exploring local trails, and climbing rocks.