LoansUnder36 Claimed


Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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APR  (Fixed APR) Starting at 5.99%
(Verified 03/21/2023)
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 are available in 44 states (and Washington, DC).

Key Takeaways

  • APRs starting at 5.99%. 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 have loan terms as short as 2 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

LoansUnder36 Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Considers applicants with fair credit.
  • Accepts cosigners and coborrowers.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • LoansUnder36 does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee.

LoansUnder36 FAQ

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 5.99% APR.

How much can you borrow via LoansUnder36?

Personal 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.

LoansUnder36 Interest Rates & Loan Terms
Personal Loan Amount $500 - $35000
Loan Term 2 - 72 months
APR Starting at 5.99%

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.

LoansUnder36 Fees
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 and permanent resident / green card holders are eligible to apply for the services offered by LoansUnder36.

LoansUnder36 Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Co-borrowers
  • Cosigners
  • Individual Applications
  • Credit Score 500 - 850

    Is Sincerely LLC a legit company?

    Sincerely LLC was founded in 2014, it is a well-established company that has been in business for 9 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    About LoansUnder36

    Icon for Personal Loans
    View all personal loans offered by Sincerely LLC


      Available in 44 states and Washington, D.C.
    • Alabama
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Delaware
    • 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
    • Washington, DC
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Checking Account Required
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Co-borrower
    • Cosigner
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Minimum Annual Income $12,000
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Credit Score Range 500 - 850
    APR Type Fixed APR
    Loan Amount $500 - $35,000
    APR (Fixed APR) Starting at 5.99%
    (Verified 03/21/2023)
    Loan Term 2 - 72 months

    LoansUnder36 Community Reviews


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    This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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