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| APR (Fixed APR) | Starting at 4.99% |
| Loan Amount | $500 - $35,000 |
| Loan Term (Months) | 2 - 72 months |
LoansUnder36 Review
LoansUnder36 is offered by Sincerely, LLC, a financial services company founded in 2014 and based in Boca Raton, FL. LoansUnder36 is available in 44 states (and Washington, DC).
- APRs starting at 4.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for LoansUnder36 are on the lower end of the spectrum.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your LoansUnder36 early.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for LoansUnder36.
- Short loan terms. LoansUnder36 offers loan terms as short as 2 months. Most personal loans have a minimum term of 12 to 36 months.
- Super long loan terms. LoansUnder36 offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
- Minimum income of $12,000. You will need an annual income of at least $12,000 to apply for LoansUnder36, which is below average for the lenders in our database
| Pros | Cons |
|---|---|
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What interest rates and personal loan terms does LoansUnder36 offer?
LoansUnder36 has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does LoansUnder36 offer?
LoansUnder36 offers a fixed APR personal loan product that starts at 4.99% APR.
How much can you borrow via LoansUnder36?
Business loan amounts start at $500 and go up to $35,000.
What is the maximum loan term you can get with LoansUnder36?
LoansUnder36 offers loans with terms of up to 72 months.
| Personal Loan Amount | $500 - $35000 |
| Loan Term | 2 - 72 months |
| APR | Starting at 4.99% |
What fees does LoansUnder36 charge?
Does LoansUnder36 charge an origination fee?
LoansUnder36 may charge a personal loan origination fee.
Does LoansUnder36 charge a late fee?
No, LoansUnder36 will not charge you a late fee if you miss one of the monthly payments.
Does LoansUnder36 charge prepayment fees?
No, LoansUnder36 does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for LoansUnder36?
Applicants with a credit score of at least 500 and up to 850 may be eligible for LoansUnder36. The minimum age to be eligible is 18 or the state minimum, whichever is higher.To qualify for personal loans with LoansUnder36, applicants need a minimum annual income of $12,000 or higher. LoansUnder36 only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via LoansUnder36. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by LoansUnder36. Permanent resident / green card holders are also eligible to apply.
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
|
| Credit Score | 500 - 850 |
Contact
- Headquarters
-
7050 West Palmetto Park Road
#15-345
Boca Raton, FL 33433 - Visit Site
- Email Support
About LoansUnder36
Availability
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Delaware
- Washington, DC
- Florida
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
- Wyoming
Feature Breakdown
| Checking Account Required | |
| Employment Statuses Considered |
|
| Immigration Status Considered |
|
| Joint Loan Applications Accepted |
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| Military Status |
|
| Minimum Age | 18 |
| Minimum Annual Income | $12,000 |
| Supported Income Types |
|
| Credit Score Range | 500 - 850 |
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