Frequently Asked Questions

Below we will share with you the answers to the most frequently asked questions we get from our customers in the hope that they will help you make an informed decision regarding personal loans.

1. How much can I borrow as a first time customer?

This decision is up to you and the needs you have. With a personal loan from 36MonthLoans.com you can borrow from 1 000$ to 50 000$*. However, the approval of a loan will be entirely up to the lender you are matched with. The lender will analyze your application and they will make you a lower offer with the amount they consider you can afford to pay back, if the details in your application can't sustain the amount you asked for in the first place.
Lending decisions will be based on several factors, including, but not limited to, credit history, employment history, and loan repayment history.

2. What is the minimum score I can apply with?

A good baseline for a credit score with our lenders is around 540. However, that will not necessarily guarantee an acceptance. Some of our lenders service below this value, but if matched with a lender, your credit score will also influence the APR that the lender will offer you for a loan. All the data in your application will influence our lenders’ decision for pre-approval.

3. Is my personal information secure if I submit an application through your process?

Yes, your information is secure with us. Our system is using several bank secure systems that encrypt your information. We also have an article on the website where you can find out more information about this issue, "Safe and Secured Environment".

4. Is this website safe/legit?

Yes, 36MonthLoans.com is a legitimate website and we are accredited by the BBB (Better Business Bureau). We also have their seal on our website, which states that we are accredited. Our website is safe and secure. We are using a "https" code at the beginning of the URL in the browser, which is the first sign that a website is secured by clicking on the lock next to it you can see that we are verified by Cloudflare SSL Certificate. Our second line of defense is the Norton Secure certificate. You can read more about our website's security by reading this article "Safe and Secured Environment"

5. How long does this process take?

If you qualify, money will be deposited in your bank account in minutes.

6. How much do I have to pay monthly?

All information regarding your loan, including your APR, is strictly between you and the lender you are matched with and will only be available once you are matched with the lender and redirected to their page. The lender will make their terms and conditions clear, including monthly payments and the amount you will need to repay.
We always advise customers to read carefully the terms and conditions presented to them once they are matched and make sure they understand the rates as well as the repayment terms before accepting.

7. What happens if I miss a payment or default on my loan?

Here at 36MonthLoans.com your financial stability is most important to us. If you feel you can’t make your next payment you should call the lender you got matched with directly. Their customer support team may offer a courtesy due date. This way you can get some extra time to make the payment. In case you have already missed a payment you should contact the lender’s Payment Planning Team where you will get the help needed to get back on track with the payments or even make a payment arrangement based on your budget. The most important step to take if you miss a payment or default on your loan is to call the lender immediately.

8. What are the top reasons why people take out a personal loan?

People just like to get a low rate personal loan for up to 50 000$ for almost anything: Rate Credit Cards, Consolidate Debt, Make Home Improvements: Remodel Your Kitchen, Add a Bathroom, Build a new Deck, Finance a Major Purchase: Furniture, Appliances, Pools, Cover Medical Expenses, Take a much deserved vacation, Plan your dream wedding, Get a Business Loan.