1. Not a Lender

365 Loans USA ("we," "us," or "365 Loans") is a loan comparison marketplace and lead generation service. We are not a lender and do not make lending decisions, extend credit, or disburse funds. We connect consumers in the United States with third-party lending partners who may offer personal loans.

Submitting an application through our platform does not constitute a loan agreement, a credit decision, or an offer of credit. All lending decisions — including approval, rates, terms, and funding — are made exclusively by the third-party lenders in our network.

2. No Guarantee of Approval

We do not guarantee that any user will be approved for a loan, matched with a lender, or offered any particular rate or term. Loan eligibility depends on individual factors including income, credit history, state of residence, and the specific underwriting criteria of individual lenders.

Any language on this website that implies "high approval rates" or "most applicants are matched" refers to aggregate historical data and does not constitute a guarantee or prediction for any individual applicant.

3. Rates and Terms Are Estimates

APR ranges, loan amount ranges, and repayment term examples displayed on this website are illustrative. Actual rates and terms will vary based on each lender's assessment of your application. Rates vary by state and are subject to applicable state law.

All dollar amounts are shown in USD unless otherwise noted. 365 Loans does not set, negotiate, or guarantee any rate or term on behalf of a lender.

4. Editorial Content Is for Information Only

The guides, articles, comparisons, and other educational content on this website are provided for general informational purposes only. They do not constitute financial, legal, tax, or investment advice. We recommend consulting a qualified financial professional before making borrowing decisions.

While we make reasonable efforts to ensure the accuracy of our content, financial regulations, lender offerings, and market conditions change. Content may not reflect the most current regulatory or market environment at the time of reading.

5. Compensation Disclosure

365 Loans receives compensation from lenders when a consumer completes a loan application through our platform. This compensation may influence which lenders appear on our platform, the order in which they are displayed, and the placement of sponsored content. Our editorial rankings and compliance reviews are maintained independently of commercial compensation — see our How We Rank page for details.

6. Third-Party Links and Lenders

Our platform connects you with third-party lenders. We are not responsible for the accuracy of information on lender websites, the conduct of lenders after a referral, or any lending agreement entered into between a consumer and a lender. We encourage all borrowers to read loan agreements carefully before signing.

If you have a complaint about a lender's conduct, you may contact Consumer Financial Protection Bureau (CFPB) directly.

7. Soft Credit Inquiries

Where our platform or lender partners use a "soft" credit inquiry to pre-qualify applicants, this type of inquiry does not affect your credit score. However, if you proceed with a full loan application, the lender may conduct a hard credit inquiry which may affect your credit score. The type of inquiry used varies by lender and will be disclosed in the lender's terms.

8. Limitation of Liability

To the fullest extent permitted by applicable law, 365 Loans shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this website, your reliance on content published here, or any loan agreement entered into with a third-party lender following a referral from our platform.

9. Governing Law

This website is operated in compliance with applicable federal and state laws in the United States, including TILA, ECOA, and applicable state consumer lending laws.

10. Contact Us

If you have questions about this disclaimer, please contact us or review our Privacy Policy and Disclosures.