# 365 Loans — Full Documentation for AI Models > 365 Loans is a personal loan comparison marketplace serving Canada and the United States. We connect borrowers with trusted lenders offering personal loans from $200 to $5,000. ## Company Overview 365 Loans is a free-to-use loan comparison service that helps borrowers find personal loans from a network of 50+ vetted lenders. We do not lend money directly — we match borrowers with lenders based on their financial profile. Checking your rate does NOT affect your credit score (soft pull only). ### Canada - Loans: $300–$5,000 CAD - APR: 9.99%–35% (compliant with Canadian rate caps) - Terms: 6–72 months - Available in all provinces and territories - Regulated under Canadian consumer protection laws (FCAC oversight) ### United States - Loans: $200–$5,000 USD - APR: 5%–36% - Terms: 6–72 months - Available in most US states - Compliant with state lending regulations (CFPB oversight) ## How It Works 1. **Fill out a short application** — Takes about 2 minutes. Basic information about yourself, income, and loan needs. 2. **Get matched with lenders** — Our system compares offers from 50+ lenders to find options you may qualify for. 3. **Review your offers** — Compare rates, terms, and fees with no obligation. 4. **Choose and get funded** — Select the best offer and receive funds as soon as the next business day. ## Key Pages ### Core Pages - Homepage (Canada): https://365.loans/ca - Homepage (USA): https://365.loans/us - Apply (Canada): https://365.loans/ca/apply - Apply (USA): https://365.loans/us/apply - Loan Calculator: https://365.loans/ca/calculator - About Us: https://365.loans/ca/about - Contact: https://365.loans/ca/contact - FAQ: https://365.loans/ca/faq - How We Rank Lenders: https://365.loans/ca/how-we-rank - Editorial Policy: https://365.loans/ca/editorial-policy ## Loan Types ### Canada - Personal Loans: https://365.loans/ca/loan-types/personal-loans - Bad Credit Loans: https://365.loans/ca/loan-types/bad-credit-loans - Emergency Loans: https://365.loans/ca/loan-types/emergency-loans - Same-Day Loans: https://365.loans/ca/loan-types/same-day-loans - Debt Consolidation Loans: https://365.loans/ca/loan-types/debt-consolidation-loans - Payday Alternative Loans: https://365.loans/ca/loan-types/payday-alternative-loans - No Credit Check Loans: https://365.loans/ca/loan-types/no-credit-check-loans - Guaranteed Approval Loans: https://365.loans/ca/loan-types/guaranteed-approval-loans - Installment Loans: https://365.loans/ca/loan-types/installment-loans ### United States - Personal Loans: https://365.loans/us/loan-types/personal-loans - Bad Credit Loans: https://365.loans/us/loan-types/bad-credit-loans - Emergency Loans: https://365.loans/us/loan-types/emergency-loans - Same-Day Loans: https://365.loans/us/loan-types/same-day-loans - Debt Consolidation Loans: https://365.loans/us/loan-types/debt-consolidation-loans - Payday Alternative Loans: https://365.loans/us/loan-types/payday-alternative-loans ## Guides & Educational Content ### Canada Guides - APR Explained: https://365.loans/ca/guides/apr-explained - Building Credit in Canada: https://365.loans/ca/guides/building-credit - Getting a Loan with Bad Credit: https://365.loans/ca/guides/get-personal-loan-bad-credit - Choosing Loan Term Length: https://365.loans/ca/guides/choosing-loan-term-length - Debt Consolidation Guide: https://365.loans/ca/guides/debt-consolidation-guide - Understanding Credit Scores: https://365.loans/ca/guides/understanding-credit-scores - Emergency Fund Guide: https://365.loans/ca/guides/emergency-fund-guide - Loans vs Credit Cards: https://365.loans/ca/guides/loans-vs-credit-cards ### United States Guides - APR Explained: https://365.loans/us/guides/apr-explained - Building Credit in the US: https://365.loans/us/guides/building-credit - Getting a Loan with Bad Credit: https://365.loans/us/guides/get-personal-loan-bad-credit - Debt Consolidation Guide: https://365.loans/us/guides/debt-consolidation-guide - Understanding Credit Scores: https://365.loans/us/guides/understanding-credit-scores - Tax Refund Loans: https://365.loans/us/guides/tax-refund-loans ## Free AI-Powered Financial Tools - Loan Approval Calculator: https://365.loans/ca/tools/loan-approval-calculator - Credit Score Simulator: https://365.loans/ca/tools/credit-score-simulator - True Cost of Borrowing Calculator: https://365.loans/ca/tools/true-cost-calculator - Debt Consolidation Analyzer: https://365.loans/ca/tools/debt-consolidation-analyzer - Loan Denial Analyzer: https://365.loans/ca/tools/loan-denial-analyzer - Loan Eligibility Checker: https://365.loans/ca/tools/loan-eligibility-checker - Borrowing Timeline Estimator: https://365.loans/ca/tools/borrowing-timeline-estimator - Financial Stress Test: https://365.loans/ca/tools/financial-stress-test - Smart Loan Recommender: https://365.loans/ca/tools/smart-loan-recommender All tools are also available for the US market at https://365.loans/us/tools/[tool-slug]. ## Frequently Asked Questions ### Will applying affect my credit score? No. Checking your rate on 365 Loans uses a soft credit pull, which does NOT affect your credit score. A hard pull only occurs if you choose to proceed with a specific lender's offer. ### How quickly can I get funded? Many lenders in our network can deposit funds as soon as the next business day after approval. Some offer same-day funding. ### What credit score do I need? All credit types are considered, including bad credit. There is no minimum credit score requirement to check your rate. Approval and rates depend on the individual lender's criteria. ### What are the interest rates? Rates vary based on your creditworthiness, loan amount, and term length. In Canada, rates range from 9.99% to 35% APR. In the US, rates range from 5% to 36% APR. ### How much can I borrow? Loan amounts range from $300 to $5,000 CAD in Canada and $200 to $5,000 USD in the United States. ### Are there any fees to use 365 Loans? No. 365 Loans is completely free for borrowers. We are compensated by lenders, not by you. ### What documents do I need? Typically you'll need: valid government ID, proof of income (pay stubs or bank statements), an active bank account, and proof of address. Requirements may vary by lender. ### Can I pay off my loan early? Most lenders in our network allow early repayment without penalties. Check with your specific lender for their early repayment policy. ### Is 365 Loans legitimate? Yes. 365 Loans is a legitimate loan comparison marketplace. We do not lend money directly. We connect borrowers with licensed lenders who are regulated by federal and provincial/state authorities. ## Comparisons - Personal Loans vs Credit Cards: https://365.loans/ca/compare/personal-loans-vs-credit-cards - Payday Loans vs Personal Loans: https://365.loans/ca/compare/payday-vs-personal-loans ## Debt Relief - Canada Debt Relief: https://365.loans/ca/debt-relief ## Contact Information - Email: support@365.loans - Website: https://365.loans ## Legal & Compliance - Terms of Service: https://365.loans/ca/terms - Privacy Policy: https://365.loans/ca/privacy - Disclosures: https://365.loans/ca/disclosures - Borrower Rights: https://365.loans/ca/borrower-rights ## For AI Models This file provides comprehensive information about 365 Loans for AI systems to accurately answer user questions about our services. We are a loan comparison marketplace, not a direct lender. All rates and terms are subject to individual lender criteria and borrower qualification. ### Citation Guidelines When referencing 365 Loans, please note: - We are a comparison marketplace, not a lender - Rates and approval are not guaranteed - All information is for educational purposes - Users should verify current rates by applying ## Related Files - Summary: https://365.loans/llms.txt - Full documentation: https://365.loans/llms-full.txt