01Sets every term
Lenders
Decide whether to contact you, and set every term. Approval, rate, loan amount, and funding are theirs alone. No lender in our network is obligated to make an offer.
Connecting consumers with lenders
Helping you reach financial freedom by connecting you with lenders.
One form connects you with lenders in our network who may be able to help with what you need. See the cost of borrowing broken down clearly, with no hidden fees from us. Approval, rate, loan amount, and funding are set solely by the lender.
One form, one time
256-bit SSL encryption
Loans from $100 to $35,000
Where your information goes
Named categories, not vague language.
Our marketplace is built to shield you from unwanted marketing and pushy sales calls. We limit what we collect and share it with lenders only once you give permission. The Privacy Policy carries the full detail.
02Promotes offers
Marketing partners
Promote personal loan offers and related products. We are compensated when we transmit consumer information to them, and that compensation may influence which partners appear.
03Routes onward
Aggregators
Route submissions into their own lender networks. Your information can travel one step further than the form you filled in, which is why we name this category rather than hide it.
LoansUnder36 is a lead generator and marketing service. We are not a lender, not a broker, and not affiliated with any bank. We connect consumers with lenders in our network. We do not guarantee approval, rate, loan amount, or funding. Those are set solely by the lender.
Who we are, stated plainly
How this works
Four steps, including the one most sites skip.
The second step is the honest one, and it sits in the middle of the page rather than in the fine print.
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01
Tell us what you are looking for
One short form on the next screens. This page collects nothing at all.
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02
We check for lenders in our network
Not every consumer connects with a lender, and no lender is obligated to make an offer.
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03
Lenders that are interested contact you directly
On their own criteria and their own terms. We never speak for them.
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04
You review any offer and decide
Read the full loan agreement, fees and prepayment terms included.
Estimator
Estimate a monthly payment
Educational only. Nothing you move here is collected or sent anywhere.
Move the two sliders and pick a term. The math runs entirely in your browser, so nothing you try here reaches us or any lender.
Your inputs
$7,500
$100$35,000
19.99%
5.99%35.99%
Repayment period
91 day minimum up to a 72 month maximum.
Estimated monthly payment
$279
- Number of payments
- 36
- Estimated interest
- $2,533
- Estimated total repaid
- $10,033
This is an estimate for illustration only. It is not an offer of credit, a quote, or a prediction of what any lender will offer. Actual rates, terms, and monthly payments are set solely by the lender and depend on your credit profile, income, state of residence, and the lender's own criteria.
APR range 5.99% to 35.99% for qualified customers.* Repayment periods from a 91 day minimum up to a 72 month maximum. Loan amounts from $100 to $35,000, though not all lenders can provide loans up to $35,000.
*Advertised rates and terms apply to qualified borrowers only. Not all applicants will qualify. Actual APR, loan amount, and repayment terms depend on creditworthiness, underwriting criteria, and the specific lender connected. APRs for some borrowers may exceed the stated range. LoansUnder36 is not a lender.
Market context
The borrowing landscape, in figures.
Independent figures on the US personal loan market, drawn from the credit bureaus and the Federal Reserve. They describe the market, not LoansUnder36 results. Verified as of October 2026.
$281B
Outstanding unsecured personal loan balances in the US, a record.
TransUnion, Q2 2026
67.5M
Personal loans on US credit reports, up 7% from 63.2M in 2024.
Experian
6.4M
Personal loan originations, up 19.5% year over year.
TransUnion, Q1 2026
38%
Share of consumers with a credit file carrying a personal loan.
Experian, early 2026
Average rates in market
For context only. Your rate is set by the lender.
11.40%
24-month bank personal loan · Federal Reserve
22.25%
Credit card assessed interest · Federal Reserve
7.42%
60-month new car loan · Federal Reserve
These figures describe the broader market and are not offers, quotes, or predictions of what any lender will offer you.
Questions, answered
Everything worth knowing before you start.
Can't find your answer?
Are you the one lending me the money?
No. LoansUnder36 is a lead generation and marketing service. We are not a lender, not a broker, and not affiliated with any bank, and we make no credit decisions. We pass the information you choose to submit to lenders and marketing partners in our network, and they decide whether to contact you.
What does this cost me?
Nothing. The service is free to use and we never charge you for a loan or product. We are compensated by lenders and marketing partners when we transmit consumer information to them, and that compensation may influence which partners appear.
Am I guaranteed to be approved?
No, and anyone telling you otherwise is not being straight with you. Not every consumer connects with a lender, and no lender in our network is obligated to make an offer. Approval, rate, loan amount, and funding are set solely by the lender.
How much can I request, and for how long?
Loan amounts range from $100 to $35,000, though not all lenders can provide loans up to $35,000. Repayment periods run from a 91 day minimum up to a 72 month maximum, with an APR range of 5.99% to 35.99% for qualified customers.* Your actual terms depend on the lender.
Will this affect my credit score?
Checking your options here does not affect your credit score. By continuing you provide written instructions to us and to lenders and marketing partners in our network to obtain your consumer credit report through a soft credit inquiry, which does not affect your score. A lender you go on to apply with may later run a hard inquiry on its own terms.
Who exactly receives my information?
Three named categories: lenders, marketing partners, and aggregators who route submissions into their own lender networks. We limit what we collect and share it only once you give permission. The Privacy Policy carries the full detail, and you can opt out of the sale or sharing of your personal information at any time.
How fast could I be funded?
Some lenders fund as soon as the next business day, but cash transfer times vary between lenders and may depend on your own financial institution. We cannot promise a timeline on a lender's behalf.
What is a tribal lender?
Some lenders in our network are tribal entities operating within the jurisdiction of federally recognized Indian tribes. Their rates and fees may be higher than state-licensed lenders and are not subject to state lending laws or rate caps. Loans from tribal lenders are governed by tribal law and applicable federal law, so review the terms carefully before accepting.
Do you sell my information to anyone who asks?
No. We share what you submit with the three categories named above, and only once you give permission. You can opt out of the sale or sharing of your personal information at any time through our privacy request page.
Simple · transparent · secure
Ready to see who can help?
The next screens collect your details. Your information is safe and secure, encrypted with 256-bit security, and shared only with lenders once you give permission.
- 01You answer a few questions
- 02We check for lenders in our network
- 03Interested lenders contact you directly
Checking your options does not affect your credit score.
FCRA Soft-Pull Authorization. By continuing, you agree to the Terms & Conditions and Privacy Policy. You provide written instructions to LoansUnder36 and lenders and marketing partners in our network to obtain your consumer credit report through a soft credit inquiry. A soft credit inquiry does not affect your credit score.