FAQs

Looking for an answer?

You just may find it in our list of questions below:

1. How much money can I get approved for?

If only money grew on trees….luckily you have us to do all the work for you! If you are approved for a loan, you'll be automatically redirected to your lender's website. You'll also receive a confirmation email with information on the next steps you need to take to finalize the loan.

Once you are on the lender's website, you'll be able to electronically sign for your loan, which will then finalize your loan agreement. If you have questions about the loan, oh those pesky questions, you can contact your lender for additional information. As a side note, lenders have the right to adjust your loan terms only up to the point that you sign for the loan, so please check your agreement before signing for your loan.

We work with lenders willing to provide personal loans of up to $35,000. The amount of your loan depends on many factors including your monthly income and credit worthiness. With excellent credit you have a better chance of getting approved for a larger loan amount.

The loan amount you're ultimately approved for is dependent on your personal information, including income and employment status, as well as other factors.

Sometimes, unfortunately, we are unable to meet your specific loan needs. If we are unable to help you, we make our best effort to match you with a financial product that may be able to help improve your credit in the future, such as a prepaid credit card or other line of credit. In this case, you'll be given instructions on how to take advantage of these special offers. There are plenty of ways to improve your financial state and move towards your future goals. We value and support each and every one of our customers, those who are just inquiring and those who may need our services down the road.

2. Why can't you provide specific interest rates and terms?

3YearLoans is a loan matching service. We work with hundreds of different lenders (so we can provide you with the MOST choices available to you) and can therefore only provide interest rate ranges and general loan terms. When you're approved for a loan, your lender will provide specific interest rates to you, be sure to carefully review these, along with the agreement, before signing for your loan.

If you've already signed for your loan and are unsure, you can contact your lender directly with questions about your rates and loan terms.

3. How does 3YearLoans work?

3YearLoans is today's premier loan matching service. Over the years we've helped countless clients get access to the nation’s best personal loan lenders. Who wouldn’t want the best of the best? We make less work for you and the lender! Our industry-leading service makes it fast, free and easy to get loans up to $35,000.

4. Can I get a loan even with bad credit?

Yes! We partner with specific lenders who specialize in lending to those clients with less than perfect credit. Unlike traditional lenders, who only consider your credit score, we look at additional areas of your finances, including time of employment, income and other factors.

Because of our expansive lender network, we're able to approve you for a loan even if you have good credit, bad credit, no credit or work-in-progress credit.

5. How fast will I receive my loan?

If only the money on the trees had warp speed to our pockets! Once you've been approved, you can receive your loan within one day! Some of our lenders offer same-day funding, though in most cases you'll receive overnight funding, which means you can usually access your loan by the next business day. Pretty close to warp speed! Our lenders offer direct deposit services that make it very easy to receive your loan (kinda like the money tree)!

6. Is 3YearLoans a direct lender?

No – we are a loan matching service, but not a direct lender. We'll do the work for you and the lender and match you with the best direct lender for your needs, who will then provide your actual loan. We are the platform on which you can access the best lenders in today's personal loan market.