LoansUnder36 Review: Get $35,000 Worth of Debt Paid Regardless of Your Credit

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance. This site doesn’t include all available offers.

It’s safe to say most of us have been tight on money at some point.

You never know what will happen from unexpected bills, credit card debt, or sudden medical emergencies to leave your account dry.

Unfortunately, the bills keep coming, and you sometimes need that extra boost to get through the month.

But how do you know which loan company is best for you?

Enter LoansUnder36. With this platform, you’ll have hundreds of options to choose from.

Let’s unpack this financial tool together and see how it can help you find a loan ASAP!

What Is LoansUnder36?

LoansUnder36 isn’t a conventional bank loan site.

Launched in 2012, this loan matchmaking service connects you to potential lenders willing to offer personal loans. The site offers loans with interest rates under 36%, the maximum threshold for affordable loans.

From emergency expenses to consolidating your debts, LoansUnder36 has a loan that covers almost every situation. It also offers flexible borrowing options and refers you to companies that won’t trap you in debt.

LoansUnder36: Key Features

Understanding which loan is right for you can be a challenge. LoansUnder36 understands and aims to make finding a suitable loan as easy as possible. Here’s what to expect:

  • Hundreds Of Loan Options: Whether you need a small $500 boost or a $35,000 cushion, LoansUnder36 has it.
  • Flexible Repayment Terms: Depending on the lender, you’ll have months to years to finish paying, making it easier on your wallet.
  • Quick Process: Forget about waiting days to hear back from your bank. LoansUnder36 boasts a fast application process with decisions in minutes and fund transfers in less than 24 hours.
  • Multiple Lenders: With LoansUnder36, you can choose from over 100 credible lenders, ensuring you get a competitive rate.

Is LoansUnder36 Safe?

LoansUnder36 is a credible site that connects borrowers to lenders. The platform uses 256-bit SSL technology, which is one of the most reliable encryption methods available, to conceal your personal information.

However, remember that LoansUnder36 is not a lender but a connecting service. They have no say over a loan’s interest rates, terms, or whether a particular lender approves your application.

So, always research and ensure you’re comfortable with a lender’s terms before moving forward.

How To Sign Up

Taking the first step to check if you qualify for a loan is easy, and there’s no impact on your credit score. Here’s what you need to do:

  1. Visit the LoansUnder36 website and enter the last four digits of your SSN.
  2. Provide basic information about your loan needs, income, and other personal details.
  3. LoansUnder36 will search its network of lenders and show you potential matches.
  4. Look over your loan offers before making a decision.
  5. Once you go through with one, the lender typically deposits the funds into your bank account within a day.

LoansUnder36: Pros And Cons


  • A broad loan spectrum
  • Fast and transparent process with no hidden fees
  • Most lenders will transfer the money in less than 24 hours
  • There are over 100 legitimate lenders to choose from
  • Repayment periods are flexible, ranging from 61 days to 72 months (6 years)


  • Each lender has different terms
  • Some loans have relatively high rates
  • They only connect you to lenders, making it confusing for some

The Bottom Line

LoansUnder36 is a reliable loan marketplace that connects if you need that quick financial boost.

With a wide range of loan amounts and a large network of lenders, you can easily shop around and find competitive rates and flexible terms.

But with any financial decision, read the fine print. Understand the loan’s terms, ensure it fits your budget, and pay it back immediately to avoid a penalty.

As always, financial savvy is about informed choices.

If you’re ready to get that much-needed cash boost, visit the site and start your application today!

Read More: