in Personal Loans from Sincerely, LLC




in Personal Loans from Sincerely, LLC

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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).

Key Takeaways
  • 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.
  • Hard credit pull required. You can't check your rates or see if you prequalify for LoansUnder36 without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • 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
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 rates and terms does LoansUnder36 offer?

LoansUnder36 has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does LoansUnder36 offer?

LoansUnder36 offers a fixed APR personal loan product that starts at 4.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via LoansUnder36?

Loan amounts start at $500 and go up to $35,000

What can a personal loan from LoansUnder36 be used for?

Personal loans from LoansUnder36 are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with LoansUnder36?

LoansUnder36 offers personal loans with terms ranging from 2 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

LoansUnder36 Rates & Terms
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 loan origination fee.

Does LoansUnder36 charge a late fee?

Yes, LoansUnder36 may charge borrowers a late payment fee.

Does LoansUnder36 charge prepayment fees?

Yes, LoansUnder36 may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

LoansUnder36 Fees
Origination Fee N/A
Prepayment Fee? Yes
Late Payment Fee N/A

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.

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


    • Headquarters
    •   7050 West Palmetto Park Road
      Boca Raton, FL 33433

    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
    • 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
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
    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
    Loan Amount $500 - $35,000
    APR (Fixed APR) Starting at 4.99%
    Loan Term 2 - 72 months

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