LoansUnder36
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
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered for LoansUnder36.
- 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 and Cons:
| Pros | Cons |
|---|---|
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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.
| 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.
| 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 are 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.
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 |
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| Credit Score | 500 - 850 |
Contact
- Headquarters
-
7050 West Palmetto Park Road
#15-345
Boca Raton, FL 33433
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 |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
|
| Minimum Age | 18 |
| Minimum Annual Income | $12,000 |
| Supported Income Types |
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| Credit Score Range | 500 - 850 |
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