Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

LoansUnder36 personal loans connection service review

Last updated:  

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
Min. Loan Amount$500
Max. Loan Amount$35,000
APR5.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreAll credit types welcome
Loan Term2 months to 6 years
Go to site

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.

How much will this loan cost me?

LoansUnder36’s partners offer loans with rates from 5.99% to 35.99%. This may or may not include an origination fee, depending on the lender. You can borrow between $500 and $35,000 with terms from 2 months to 6 years.

Use the calculator below to find out how much you might pay each month and in overall interest for the loan you’re considering.

How it works

Not all rates, terms and loan amounts will be available through all lenders. For example, that 5.99% rate might not be available on a $500 loan. Generally, a 5.99% APR and $35,000 loan is likely only available to borrowers with an excellent credit scores of 760 or higher. And you’ll need to have enough cash flow each month to support loan repayments.

What do I need to qualify?

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

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.

Pros and cons

LoansUnder36 can simplify your application process. But it might not help everyone find the financing they need.


  • Loans start at a low 5.99% APR
  • Funding as low as $500
  • Variety of loan terms


  • No loans over $35,000
  • Doesn’t disclose minimum requirements
  • Requires you to waive the right to sue your lender

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

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible personal loans
4.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
LightStream personal loans
Good to excellent credit
Borrow up to $100,000 with low rates and no fees.
Monevo personal loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Upstart personal loans
8.27% to 35.99%
580 or 600 depending on state of residence
This service looks beyond your credit score to get you a competitive-rate personal loan.
LendingTree personal loans
Starting from 2.49%
Good to excellent credit
Receive up to five loan offers in just minutes through LendingTree's simple online form.

Compare up to 4 providers

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 reach out to customer service for more information.

LoansUnder36 reviews and complaints

BBB accredited No
BBB rating Not rated
BBB customer reviews No reviews
Trustpilot Score 3.7 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of 20 May 2020

There’s only one negative review for LoansUnder36 on Trustpilot and none on the Better Business Bureau (BBB). That’s not uncommon for a connection service — and not enough to give you an idea of what you’re in for when you use it. 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.

How do I sign up?

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

  1. Click Check my rate to be redirected to LoansUnder36’s website.
  2. Follow the directions to provide information about how much you want to borrow and personal information, and the best time to get in touch. Click Next to move on to the next question.
  3. Enter your bank account and routing number and answer more questions about your income and finances, clicking Next between questions.
  4. Review the terms and conditions, 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 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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site