3 Year Loans Review


3 Year Loans is a loan matching service that connects people searching for personal loan services. It collects personal information (annual income, credit rating, amount of loan) and matches it with hundreds of lenders to give people the best available rates for their personal loan.



Loan matching service

(Matches your information with a direct lender)


Loan Details

Unsecured personal loans


Minimum loan amount


Maximum loan amount


Minimum loan period

1 year

Maximum loan period

5 years

Loan rates

Starts at 4.99% APR

*** 3 Year Loans is a loan matching service, rates may vary according to matching lender.

Loan Release

One day release

Direct deposit






Average online application time

5 minutes

Average response times

90 seconds

Basic Qualifications

  • Fair or better credit
  • Income of $2,000 monthly
  • US resident
  • Current employment 3+ months
  • Current residence 3+ months

Personal Information Required

Credit Rating

Social Security Number

Purpose of loan

Income type

Length of residency

Length of employment

Annual Income


3 Year Loans Summary

3 Year Loans provides an online portal where personal loan seekers could quickly connect with hundreds of lenders nationwide. Being a personal loan matching service, it is able to find the best rates possible. This is especially useful for people with less than ideal credit ratings. At $35,000 maximum loan, 3 Year Loans offers one of the biggest in the market. However, with 3 Year Loans not being your direct lender you should be extra wary with the terms and policies of your personal loans with the lender.