36 Month Loans

What 36 Month Loans does

36MonthLoans (legal name: 36 Month Loans) is a US-based online loan matching service founded in 2013 and headquartered at 1041 4th Avenue, Suite 302, Oakland, California. The company operates a fully self-serve, 24/7 nationwide web platform that connects consumer borrowers with a network of third-party lenders. It does not lend directly, does not perform underwriting itself, and charges no fee to applicants submitting a loan request. The platform matches applicants based on credit profile and loan requirements and earns revenue through affiliate referral fees or commissions paid by lenders in its network when matched borrowers are funded.

The core product is unsecured personal loans ranging from $1,000 to $50,000 with repayment terms of 12 to 36 months and APRs between 11.24% and 35%, depending on creditworthiness, loan amount, and term. Product variants positioned across the site (installment loans, signature loans, short-term loans, debt consolidation loans) are essentially the same underlying personal loan product framed for different use cases. Additional offerings include Personal Lines of Credit available in select states (Virginia, Maryland). The platform is secured with SSL/TLS encryption, McAfee security certification, Cloudflare SSL, and Norton/Symantec authentication, and the company has held BBB A+ accreditation since 2013 with a 9.2/10 Trustpilot score across 160+ reviews. To date, 27,604 customers have received a personal loan through the service.

The customer base is predominantly US-resident adult consumers, with a focus on subprime and non-prime borrowers who may not qualify at traditional banks, alongside prime borrowers seeking a fast online experience. Use cases span debt consolidation, home improvements, major purchases, medical bills, car repairs, weddings, vacations, and emergency cash needs. Marketing is driven almost entirely by organic SEO through state-specific landing pages and the company's long-tenured BBB and Trustpilot trust signals; the business has no mobile app, no disclosed API, no social media presence, no venture funding, and no parent company.

Name

36 Month Loans

Legal name

36 Month Loans

Website

https://36monthloans.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

36MonthLoans is a US online loan matching service founded in 2013 that connects consumer borrowers with a network of third-party lenders. It serves subprime and prime applicants seeking unsecured personal loans of $1,000-$50,000 via a 24/7 self-serve web platform, earning affiliate referral fees from lenders.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

akta.pro secondary industry

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Personal loan matching
• Consumer lending service
• Online loan referral
• Short-term personal loans
• Lender network

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Operations, Personnel, Technology or R&D

Revenue model

1. Loan Matching Service: 36MonthLoans operates as a loan matching service connecting borrowers with lenders from their network. They charge no fee to submit a loan request. Revenue is generated through referral fees or commissions from matched lenders when borrowers are connected and funded.
2. Lead Generation: Generates revenue by matching applicants with lenders in their network and receiving compensation for qualified borrower referrals

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

36 Month Loans is a loan matching service that connects prospective personal loan borrowers with a network of third-party lenders. The company does not underwrite or fund loans itself; instead, it collects consumer loan requests and refers applicants to lending partners offering personal loans of $1,000–$50,000, with 12–36 month terms and APRs between 11.24% and 35%. There is no fee charged to the consumer for using the matching service.

Product overview

36MonthLoans operates as a loan matching service that connects borrowers seeking personal financing with lenders from their network. The primary offering is the Personal Loans product, which encompasses installment loans, signature loans, unsecured loans, and short-term loans—all essentially the same product positioned for different use cases. Borrowers can access loans from $1,000 to $50,000 with repayment terms of 12-36 months. Additional offerings include Personal Lines of Credit (available in select states) and Debt Consolidation Loans as a specific use case. The company does not lend directly but acts as an intermediary, matching applicants with lenders who perform credit checks and make final lending decisions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan Matching Service A free online referral service that matches individual consumers seeking personal loans with third-party lenders from the company's network. Loans facilitated through this service range from $1,000 to $50,000, with repayment terms of 12 to 36 months and APRs between 11.24% and 35%. The service is targeted at U.S. consumers who want to compare multiple loan offers via a single application without paying upfront fees.

Quantifiable outcome

• 27,604 people successfully received personal loans through the platform
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators4 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Fiona: Loan matching marketplace aggregating offers from a lender network for personal loans, student loan refinancing, and other credit products. Direct overlap in unsecured personal loan matching.
• Even Financial: Financial product marketplace connecting consumers with lenders and other financial product providers via API-driven matching. Operates a similar lead-generation / referral model.
• LendingTree: Largest U.S. consumer loan comparison marketplace connecting borrowers with multiple lenders across personal, mortgage, and other credit products. Most directly comparable model to 36 Month Loans' matching-as-a-service approach.
• Credible: Online marketplace that matches borrowers with personal loan, student loan, and mortgage lenders via a single application. Closely aligned business model and consumer base.

Broad incumbents

• MoneyLion: Broader consumer fintech platform offering personal loans, credit-building products, and banking — overlaps with 36 Month Loans in personal loan origination but with a much larger product suite.

Emerging players

• Possible Finance: Mobile-first lender focused on small-dollar installment loans for non-prime borrowers. Comparable customer segment and product shape, but operates as a direct lender rather than broker.
• Best Egg: Direct online lender for unsecured personal loans focused on prime and near-prime consumers with $2K-$35K loan sizes. Competes for the same loan application intent.
• OpLoans: Online installment lender serving subprime borrowers with personal loans of similar size and term ranges — adjacent competitor in the same credit niche.
• Oasis Loans: Online loan matching site listed among 36 Month Loans' family of brands; targets similar short-term, installment loan borrowers with subprime profiles.
• Fidelity National Loans: Sibling brand listed in the 36 Month Loans footer network — adjacent online loan matching/lead-gen site serving similar consumer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/36monthloans

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 36 Month Loans