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Last Updated: 04/18/2025

LoansUnder36

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)

Disclaimer popup with additional information

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.
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.

LoansUnder36 Pros & Cons

Pros

Cons

Low APRs available to qualified borrowers.
Considers applicants with poor credit.
Accepts cosigners and coborrowers.

Charges an origination fee.
Does not offer pre-approval with soft credit pull.
LoansUnder36 does not report to credit bureaus.
Charges prepayment fees.

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. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

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

Application Types Accepted

Co-borrowers
Cosigners
Individual Applications

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

Visit Site

Email Support

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APR

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Amount Range

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Loan Term (Months)

2 - 72

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

LoansUnder36 Community Reviews

Would you recommend LoansUnder36 to your friends?

Maria M.

Nov 4, 2023

May or may not recommend

Good experience very fast, very nice great job to there employees they are awesome

Malliyah E.

Nov 2, 2023

May or may not recommend

LoansUnder36 provides a reliable and transparent lending platform for borrowers seeking affordable loans. With competitive interest rates and flexible repayment terms, it's a trustworthy option for those looking to borrow responsibly and avoid high-cost loans.

Leenoy J.

Oct 21, 2023

May or may not recommend

If I'm successful in getting a loan, I would tell everyone that I know.

Candis G.

Jul 21, 2023

May or may not recommend

I hope they will help me with my money problem

Bethany K.

Apr 20, 2023

May or may not recommend

LoansUnder36 has some pretty cool perks. First, they'll let you borrow up to$ 35,000. Other lenders I've seen cap at $3000 or $5000 for personal loans. Next there aren't any late fees or early payoff fees. Lastly, as a veteran, I think it's neat that they quote the Military Lending Act.