Disclosures
Important information about our services and lending partners
Not a Lender Disclosure
365 Loans USA is NOT a lender. We operate as a marketing lead generator and do not make loans or credit decisions. We connect consumers with lenders and lending partners who may offer personal loans. We do not charge fees for our service.
Loan Amounts and Terms
Loan amounts range from $200 to $5,000, depending on the lender and your qualifications. Loan terms vary by lender and can range from 30 days to 72 months. APRs range from 5.99% to 35.99% or higher, depending on the lender and your creditworthiness.
Credit Impact
Checking your rate through our website does not affect your credit score. However, if you proceed with a loan application, the lender may perform a hard credit inquiry, which may impact your credit score.
Representative Example
For example, a $2,500 personal loan with a 36-month term at an APR of 15.99% would have monthly payments of approximately $88 and a total repayment amount of approximately $3,168.
Late Payment Consequences
Late payments may result in additional fees and penalties as determined by the lender. Failure to repay your loan may result in collection activities and could negatively impact your credit score.
State Availability
Our services are available in most U.S. states. However, loan availability, terms, and conditions may vary by state due to state regulations. Some products may not be available in all states.
Consumer Notice
Personal loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.