3YearLoans payday loan connection service review | finder.com

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3YearLoans payday loan connection service review

This service can no longer connect you with payday loans — consider alternatives.


Fact checked
Have bad credit and need money fast? A payday loan connection service like 3YearsLoans may be able to help. It connects borrowers with multiple lenders by filling out just one online form. But the lack of transparency on its website — along with subpar ratings — might make you want to look elsewhere.

3YearLoans is no longer a connection service

This connection service is no longer in business. You might want to check out our guide to short-term loans compare similar options. Or, read our review to learn how 3YearLoans worked.

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What was 3YearLoans?

3 Year Loans was a connection service that connected borrowers will multiple short-term loan providers. You didn’t have to pay for its services, and once you submitted an online form, it could connect you with one or more lenders that would work with you despite limited income or bad credit. Unfortunately, the specifics weren’t exactly discussed by 3 Year Loans itself. Your loan term, along with the amount you can borrow, is were difficult to find.

Only residents living outside of Arkansas, New York, Vermont and West Virginia were able to use 3 Year Loans’ services.

What were the benefits of using 3 Year Loans?

  • Wide range of loan amounts. Lenders in 3YearLoans’ network offered loans up to $10,000. However, the maximum you qualify for depended on factors such as the selected lender, your creditworthiness and your ability to repay.
  • Wide span of loan terms. Despite its name, 3YearLoans was often able able to connect you to a lender offering a term as short as 60 days. And in some cases, you might have even qualified for a term lasting longer than three years.
  • Bad credit was OK. You didn’t need the best credit to use 3YearLoans. The lenders in its network accepted applications from individuals with bad credit, so no matter where you sit on the credit spectrum, you still might have qualified.

What to watch out for

  • No customer service line. Although it had a phone number, this lead to a phone application — not customer service. If you needed to get in contact with 3YearLoans, you’d have had to fill out its online form and wait for a response.
  • Unclear website. The 3YearLoans website was covered in typos and unclear language, which raised some red flags for us. On top of this, there wasn’t much information about the loan process or its network.
  • Field phone calls from partner lenders. 3YearLoans shared your personal information with its network of partner lenders, so you might have ended up receiving multiple phone calls and emails — even after you took out a loan.

Must read: Beware of unclear terms

3YearLoans didn’t provide much information up front, which can be a sign of a scam. It also wasn’t transparent with its terms, so there was a chance you’d get connected with lenders that didn’t really suit your needs.

In addition, its privacy policy stated that your personal information could be sold to third-party marketers. If you don’t want to be dodging phone calls from partner lenders, you might want to consider applying with a direct lender instead.

Was it safe to apply for a payday loan through 3 Year Loans?

Although its website is had a valid security certificate and was protected by SSL encryption, you still might have may wanted to think twice about giving 3YearLoans your personal or financial information. Other review sites had stated that 3YearLoans went out of business, while its website was still up. And since 3YearLoans is a matching service, it shared your information with third parties to connect you with a loan offer. Be sure to read the privacy policy of any lender you work with to understand how your information is stored and shared.

What do borrowers said about 3YearLoans

3YearLoans wasn’t accredited by the Better Business Bureau (BBB) and received an F rating based on its failure to resolve complaints filed against it and its lack of a competency license.

Its 300 reviews were split down the middle. Some customers praised 3YearLoans for its fast turnaround and excellent customer service, while others complained they weren’t able to find a three-year loan and only got connected to payday loans.

3YearLoans also did poorly on Trustpilot, earning a 4.7 out of 10. And there’s only been one review since 2016 — another bad sign.

Could I have qualified?

You would have needed to meet at least these three requirements to qualify with one of 3YearLoans’ partners:

  • Regular source of income
  • US citizen or permanent resident
  • At least 18 years old

In addition to these, would have also needed to provide some basic information about yourself, including:

  • Desired loan amount and purpose of loan
  • Your name, home address, email address and phone number
  • Time spent at current residence
  • Your date of birth and social security number
  • Your credit rating — an estimate is fine
  • Time employed as well as your employer’s name and contact details
  • Annual income and pay frequency
  • Bank account details

How did the connection process work?

3YearLoans kept its process simple. Its online form was just one page that only took a few minutes to fill out. Here’s how it worked:

It may take a few minutes for 3 Year Loans to process your request.

I was connected with a lender. Now what?

Once you were redirected to a partner lender’s website, you would have had to submit a full application. The lender would review it and determine if you qualify. If approved, you would have be sent a loan contract.

Read over the terms of any contract you sign carefully, and don’t be afraid to reach out if you have any questions.We also recommend checking borrower reviews of the lender so you know exactly what you’re getting into.

Bottom line

3YearLoans was a connection service, but it might not have been the best out there. Without a transparent website or clearly outlined terms, it’s hard to say if you would have gotten a good deal when you submitted your personal information.

You might want to consider applying for a payday loan with a direct lender instead.

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