About 365 Loans
Helping Americans find the right personal loan since 2020. We're committed to transparency, speed, and connecting you with trusted lenders.
Our Story: 5+ Years Helping Americans
365 Loans USA was founded in 2020 with a simple goal: to help everyday Americans access the funds they need without the hassle and confusion that often comes with traditional lending.
Over the past 5+ years, we've grown from a small startup to a trusted loan comparison platform, helping over 50,000 Americans find personal loans that fit their needs. Our success is built on one principle: putting consumers first.
We understand that life doesn't always go as planned. Whether it's an unexpected medical bill, a car repair, or simply making ends meet, sometimes you need a little extra help. That's where we come in.
Our platform connects you with a network of 40+ vetted lenders who specialize in personal loans ranging from $200 to $5,000. Unlike some comparison sites, we don't just list any lender – every partner goes through our rigorous vetting process.
Our Expert Team
Our content and recommendations are backed by financial professionals with decades of combined experience.
365 Loans Editorial Team
Our editorial team reviews all content for accuracy, regulatory compliance, and consumer relevance.
Team Credentials Include:
- Certified Financial Planners (CFP)
- Consumer lending professionals with 10+ years experience
- Compliance specialists familiar with CFPB regulations
- Former banking and fintech executives
Editorial Independence: Our content is created independently of our lender partners. We maintain strict separation between editorial and business operations to ensure unbiased information for consumers.
How We Vet Our Lender Partners
Not every lender makes it into our network. Here's our rigorous 4-step vetting process:
State Licensing Verification
Every lender must hold valid licenses in each state they operate. We verify through NMLS and state regulators.
Federal Compliance Check
All partners must comply with TILA, ECOA, and other federal lending regulations.
Consumer Complaint Review
We monitor CFPB complaints, BBB ratings, and state AG databases for any consumer protection issues.
Ongoing Monitoring
Quarterly reviews ensure continued compliance with evolving state and federal regulations.
Our Core Values
Transparency First
We believe in clear, honest communication. No hidden fees, no surprises – just straightforward loan matching.
Customer Focused
Your financial wellbeing is our priority. We work to connect you with lenders that fit your unique situation.
Speed & Efficiency
Time matters when you need funds. Our streamlined process gets you matched with lenders in minutes, not days.
Quality Partners
We partner with reputable US lenders who follow state and federal lending regulations.
Authoritative Sources
Our content is informed by official US financial regulatory bodies: