How quickly can I get my loan?

Most applicants receive loan offers within minutes of completing the application. Once you accept an offer, funds are typically deposited into your bank account within 24 hours, though some lenders offer same-day funding.

Will checking my rate affect my credit score?

No! We use a soft credit inquiry to check your rate, which does not impact your credit score. A hard inquiry only occurs if you choose to accept a loan offer and proceed with the application.

What credit score do I need to qualify?

We work with lenders who accept all credit types, from excellent to poor credit. Your specific offers will depend on your overall financial situation, not just your credit score.

How much can I borrow?

Loan amounts range from $200 to $5,000, depending on your needs and qualifications. You choose the amount that works best for your situation.

Absolutely not. All fees, interest rates, and terms are clearly disclosed before you accept any offer. We believe in complete transparency with our customers.

Is my personal information secure?

Yes, we use industry-standard 256-bit SSL encryption to protect your data. Your information is never sold to third parties and is only shared with lenders to process your application.

Do I need to be a US citizen to apply?

You must be a US citizen or permanent resident, at least 18 years old, with a valid Social Security Number and an active checking account in your name.

Which states do you serve?

We work with lenders across all 50 states. However, some lenders may have specific state restrictions based on local regulations. You'll see available offers based on your location during the application.

🇺🇸Trusted by 50,000+ Americans

Compare US Loan Offers Up to $5,000

Compare offers from 50+ lenders. No fees. No credit score impact. Get funded as fast as 24 hours.

256-bit Secured

Funded in 24h

Any Credit OK

Trusted by 50,000+ Americans🇺🇸

No credit impact to check your rate

Check Your Rate — Free

No impact to your credit score

444 applications this week

Avg. approval in 2 minutes

85%Approval rate in April 2026

55+Verified lender partners

24hAverage time to funding

28,900Applications this month

Bank-Level Security

256-bit Encryption

Trusted Lenders

100,000+ Americans Served

Fast 2-Minute Application

Quick Pre-Qualification

See If You Qualify in 60 Seconds

Answer 3 quick questions to check your eligibility

Step 1 of 425% complete

How much funding do you need?

Simple Process

How to Get a Personal Loan in 3 Easy Steps

Our streamlined process gets you from application to funding faster than traditional banks.

Quick Application

Fill out our simple online form in just 2 minutes. No paperwork, no hassle.

Compare Offers

We match you with personalized loan offers from our network of trusted lenders.

Get Your Funds

Choose the best offer for you and receive funds directly to your bank account.

Benefits

Why Choose 365 Loans for Personal Loans

365 Loans USA connects you with top lenders, so you can find the best rates without the bank runaround.

Low Interest Rates

Access competitive rates from multiple lenders, often lower than credit cards.

Safe & Secure

Your data is protected with bank-level 256-bit SSL encryption.

Fast Funding

Get approved in minutes and receive funds as soon as the next business day.

No Fees

Transparent terms with no surprise charges. What you see is what you get.

All Credit Welcome

Whether your credit is excellent or needs work, we have options for you.

Personalized Offers

Get loan offers tailored to your specific needs and financial situation.

Personal Loans in Top U.S. Cities

Compare lenders and rates in major cities across the United States

View all U.S. cities →

Find the Right Loan for You

Explore our comprehensive resources to make informed borrowing decisions

Popular Loan Types

Loans by State

Helpful Resources

Quick Links by Loan Amount

$300 Loans $500 Loans $1,000 Loans $2,000 Loans $3,000 Loans $5,000 Loans

Popular Loan Purposes

Debt Consolidation Emergency Expenses Medical Expenses Car Repairs Home Improvement

What Our Borrowers Say

Real experiences from Americans who found better loan options through 365 Loans

"The process was incredibly simple. I filled out the form in a few minutes and was matched with a lender the same day. Very happy with the service."

Quick Funding

Personal Loan

Marcus T.

Dallas, TX

"I had bad credit and thought no one would help me. 365 Loans connected me with a lender who worked with my situation. Highly recommend."

All Credit Types

Debt Consolidation

Sarah L.

Miami, FL

"Excellent service! I compared multiple offers and found a much better rate than what my bank was offering. All without impacting my credit score."

Better Rates

Personal Loan

Kevin R.

Chicago, IL

*Individual results may vary. 365 Loans is a comparison platform, not a lender. All loan terms are set by the lender you are matched with.

10K+

Applications Processed

30+

Partner Lenders

5 min

Avg. Application Time

Requirements

Personal Loan Requirements: Simple & Fast

We've simplified the borrowing process to make it accessible for everyone. No complicated paperwork, no lengthy approval times.

Be a US citizen or permanent resident, and over 18

Have a valid checking account in your name

Provide a valid email address and phone number

Loan Amounts

$200 – $5,000

Borrow what you need, nothing more