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Last Updated: 04/18/2025

LoansUnder36

in Personal Loans from Sincerely LLC

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly recommended8 total votes

8 users recommend

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Highlights

Community Rating

Strongly recommended

APR (Fixed APR)

Starting at 5.99%(Verified 06/21/2024)

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Amount Range

$500 - $35,000

Loan Term (Months)

2 - 72

Number of Reviews

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 9% and 36%. The starting rates for LoansUnder36 are on the lower end of the spectrum.
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.

LoansUnder36 Pros & Cons

Pros

Cons

Low APRs available to qualified borrowers.
Considers applicants with poor credit.

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
LoansUnder36 does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

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?

LoansUnder36 does not disclose whether it charges late payment fees.

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

Prepayment Fee

N/A

Late Payment Fee

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.

LoansUnder36 does not have or does not disclose a minimum annual income eligibility requirement.

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

LoansUnder36 Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Credit Score

500 - 850

Does Sincerely LLC perform a hard credit pull?

Yes, LoansUnder36 performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are LoansUnder36 legit?

Sincerely LLC was founded in 2014, it is a well-established company that has been in business for 12 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

SuperMoney Disclosure: SuperMoney.com 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.

Contact

Headquarters

7050 West Palmetto Park Road

#15-345

Boca Raton, FL 33433

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