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Legal Disclosures

Annual Percentage Rate (APR)

Annual Percentage Rate (APR) represents the annualized interest rate that you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved in obtaining a loan. Typically, APRs for personal loans range from 4.99% to 35%, Since 365 Loans is not involved in the lending process, we can not deliver any specifics about the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.

Representative Example of APR

If you borrow $2,500 over a term of 1 year with an APR of 10%, you will pay $219.79 each month. The total amount payable will be $2,637, with a total interest of $137.48.

Financial Implications (Interest & Finance Charges)

365 Loans is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. 365 Loans service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as 365 Loans is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Potential Impact on Credit Score

365 Loans is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian, and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.

Collection Practices

365 Loans is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending. 365.loans itself isn’t involved in debt collection.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.