Canada
Personal loans from $300 to $5,000, available in every province and territory. Federal law caps the criminal rate of interest at 35% APR, and every lender in our network must stay within it. Terms typically run from 6 to 60 months.
Compare personal loans in Canada and the United States
365 Loans is a free loan-matching service. Tell us how much you need and we show you offers from a large network of licensed lenders. Checking your rate takes a few minutes and does not affect your credit score. We are not a lender and we never charge you a fee.
Choose your country
United States
Personal loans from $200 to $5,000. Rates and maximum charges depend on the state you live in, and the lender shows you the full cost before you sign anything. Terms typically run from 3 to 60 months.
How 365 Loans works
1. Tell us what you need
Enter the amount, your income and a few contact details. The form takes about three minutes and runs a soft check only, so your credit score is untouched.
2. See your matches
We pass your request to lenders in our network and show you the offers you qualify for, with the rate, term and monthly payment for each one.
3. Choose, or walk away
You finish the application directly with the lender you pick. There is no obligation to accept an offer, and using 365 Loans costs you nothing.
Frequently asked questions
Is 365 Loans a lender?
No. 365 Loans is a loan-matching service. We pass your request to lenders in our network and show you the offers you qualify for. The lender you choose makes the credit decision and holds the loan.
Does checking my rate affect my credit score?
No. Submitting a request on 365 Loans runs a soft check only, which is not visible to other lenders and does not change your score. A hard check happens only if you go on to accept an offer with a lender.
How much can I borrow?
In Canada, loans through our network run from $300 to $5,000. In the United States, they run from $200 to $5,000. The amount you are offered depends on your income, your existing debts and the lender.
What does it cost to use 365 Loans?
Nothing. We are free for borrowers and we are paid by the lenders and partners in our network when a match works out. You are never charged a fee to compare offers, and you are never obliged to accept one.
What interest rate will I pay?
It depends on your credit profile, the amount and the term. In Canada the criminal rate of interest is capped at 35% APR and every lender in our network stays within that cap. In the United States the maximum depends on your state. Your lender must show you the full APR and total cost before you sign.
How quickly can I get the money?
Many lenders in our network approve applications the same day and fund within one business day of the paperwork being signed. Timing depends on the lender, your bank and when you apply.
Can I apply with bad credit?
Yes. Several lenders in our network work with people who have poor or limited credit history and weigh income and affordability alongside your score. Approval is never guaranteed, and rates for lower scores are higher.
365 Loans is a loan-matching service, not a lender, and does not make credit decisions. Read our disclosures, about page or contact us.