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    365 Loans

    Loan Tools & Calculators

    Free AI-powered tools and calculators to help you make smarter borrowing decisions in the United States.

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    Loan Calculator

    Calculate your monthly payments, total interest, and find the best loan terms for your budget in the United States.

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    Loan Approval Calculator

    Predict your approval likelihood based on credit score, income, and employment in the United States.

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    Credit Score Simulator

    Estimate how paying down debt or removing missed payments could improve your FICO score.

    AI

    True Cost of Borrowing

    Calculate the real cost of a loan including interest, origination fees, and hidden charges in the United States.

    AI

    Debt Consolidation Analyzer

    Analyze whether consolidating your debts could reduce your total monthly payments and save on interest.

    AI

    Loan Denial Analyzer

    Understand why you were denied and get a personalized improvement plan to boost your chances next time.

    AI

    Loan Eligibility Checker

    Check your eligibility for a personal loan based on income, credit, and loan size — no credit check required.

    AI

    Borrowing Timeline Estimator

    Estimate how long approval and funding takes for different loan types in the United States.

    AI

    Financial Stress Test

    Simulate how income loss, missed payments, or rate increases could impact your finances.

    AI

    Smart Loan Recommender

    Get a realistic loan amount recommendation based on your income, expenses, and debt levels.

    Loan Glossary

    Comprehensive glossary of loan and financial terms explained in plain language.

    Find Loans by Amount

    Search for loans based on how much you need to borrow, from $200 to $5,000.

    Find Loans by Credit Score

    Find loan options tailored to your credit score range, from excellent to poor credit.

    Find Loans by Purpose

    Explore loans for debt consolidation, home improvement, medical expenses, and more in the United States.

    Find Loans by Location

    Find lenders available in your state with local rates and requirements.

    Find Loans by Type

    Compare different loan types including personal loans, bad credit loans, emergency loans, and more.