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LoansUnder36 personal loans connection service review

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Compare multiple lenders, but watch out for its strict arbitration clause.’s rating: 3.5 / 5.0


  • Best for borrowers with less-than-perfect credit looking to compare multiple offers at once.
  • Pick something else if you don’t want to receive potential spam calls.


Max. Loan Amount

5.99% to 35.99%


All credit types welcome

Min. Credit Score


Product NameLoansUnder36 Personal Loans Connection Service
Min. Loan Amount$500
Max. Loan Amount$35,000
APR5.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreAll credit types welcome
Minimum Loan Term0.17 years
Maximum Loan Term6 years
Check my rate

Expert review

Kellye Guinan

Review by

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

Expert review

LoansUnder36 is ideal for borrowers with less-than-perfect credit who’ve struggled to find a personal loan provider they qualify with. You can compare offers from multiple lenders at once by filling out just one online form. Its network of lenders work with borrowers of all credit types, and its APRs are capped at 36%.

But you might have to field phone calls and emails from partner lenders — even after you take out a loan. One customer even reported receiving spam calls from Russia after filling out LoansUnder36’s online form. It also has a waive right to dispute clause, meaning you can’t seek damages if anything happens with a lender you’re connected with.

Not sold on LoansUnder36? Compare your other options below.

First, am I eligible?

LoansUnder36 doesn’t list any specific eligibility criteria on its website. However, you typically need to meet the following requirements to take out a personal loan:

  • Have a steady source of income.
  • Have a verifiable bank account.
  • Be a US citizen or permanent resident.
  • Be at least 18 years old.


  • Low APR cap
  • Wide range of loan amounts
  • Variety of loan terms
  • Fast process


  • Waive right to dispute clause
  • May check your credit
  • Eligibility requirements not listed
  • Unclear state availability
  • May receive spam calls

Must read: Beware of LoansUnder36’s waive right to dispute clause

LoansUnder36 has an arbitration and settlement dispute clause in its terms and conditions that might make you think twice before using its service. It’s not uncommon for lenders and connection services to require you to settle disputes in arbitration rather than through a lawsuit. However, LoansUnder36 goes one step further, adding in a settlement clause that prevents you from seeking damages in a settlement with a lender you’re connected with.

Compare other personal loan providers

Updated April 7th, 2020
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible Personal Loans
3.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Fiona Personal Loans
4.99% to 35.99%
Good to excellent credit
Get loan offers from multiple lenders at once without affecting your credit score.
Monevo Personal Loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Even Financial
4.99% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
Upgrade Personal Loans
7.99% to 35.97%
Affordable loans with two simple repayment terms and no prepayment penalties.

Compare up to 4 providers

What do customers say about LoansUnder36?

There aren’t any borrower reviews for LoansUnder36 — not uncommon for a connection service. It doesn’t have a page on the Better Business Bureau (BBB) or Trustpilot, which means you won’t know how smooth the process is until after you fill out its online form. Instead, you’ll want to check out the online reviews for any lenders you’re connected with to get a feel for how they treat their borrowers.

Is LoansUnder36 legit?

Yes, LoansUnder36 is a real service and has a secure website. But it will share your personal information with lenders in its network. This means you may receive multiple calls and emails from lenders even after you complete the application process. In fact, one customer reported getting redirected to three websites and receiving spam calls from Russia after filling out LoansUnder36’s online form.

Unfortunately, LoansUnder36 doesn’t list ways you can stop certain information from being shared, so you’ll need to email for more information.

How do I get started?

LoansUnder36 has a simple online form to connect you to multiple lenders in minutes. Follow these steps to get started:

  1. Click Go to Site to be redirected to LoansUnder36’s website.
  2. Select how much you want to borrow and your preferred loan term. Enter your email address and read the privacy policy and terms and conditions. Click Next.
  3. Enter your contact details and information about where you live.
  4. Enter your employer’s name and phone number, if applicable, along with your bank account details.
  5. Enter information to verify your address and identity.
  6. Select your estimated credit score range and the reason for your loan.
  7. Read LoansUnder36’s documentation, then click Finish Form.

It may take a few minutes for LoansUnder36 to verify your information and connect you with a lender. If connected, you’ll be redirected to its website to complete a full application.

What information do I need?

When filling out LoansUnder36’s online form, have these details on hand to speed up the process:

  • Driver’s license or state ID number
  • Social Security number
  • Bank account and routing number
  • Credit score range

Other information, like your income and employment status, will also be needed to finish the online form.

What happens after I apply?

Once you’ve been connected with a personal loan provider, you’ll stop using LoansUnder36 and start working directly with the lender.

If approved, read over your loan documents carefully. It should outline the specific details of your loan, including your repayment schedule and the amount you’ll pay in interest. Once you’ve signed the contract, you may be able to get your funds as soon as the next business day.

How do repayments work with LoansUnder36?

You won’t make repayments with LoansUnder36. Instead, check your loan agreement for information about your repayment schedule and any potential fees you might have to pay.

Find out how LoansUnder36 stacks up to the competition with our guide to personal loan connection services. Or compare your options with direct lenders.

Frequently asked questions

Personal loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

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