• If you borrowed $2,000 over a 12 month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR.

  • If you borrowed $5,000 over a 48 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.


Please read the following statements about General Loans, APR, Loan Resumptions and Loan Repayment Terms carefully.

Are there any fees associated with 365LoansNow?

365LoansNow services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.

Oh no! I need to make a late payment! What do I do?

Penalties for late payments differ from lender to lender. Contact your lender directly, and preferably ahead of time, if you need to make a late payment. Some lenders may add a late payment fee automatically if that is in their agreement. For more information on making a late payment or if you have any issues with your repayment terms, contact your lender directly.

What is the payment schedule for my loan?

Each lender has their own repayment terms and schedule. Please contact your lender for the specific repayment terms associated with your loan

What can I use my personal loan for?

Use your loan for what YOU need it for. Many people get personal loans for unexpected expenses, home repairs, holiday shopping, vacations and more.

What is APR?

Annual Percentage Rate (also known as APR) is a way to measure the cost of credit in a nominal yearly rate. An APR is usually between 5.99% and 35.99%. APR and repayment terms may differ from what is listed on this site so before accepting a loan from a lender, make sure to read and understand the loan agreement carefully.


Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products general have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.

Our Disclosures

Credit Check Disclosures

365LoansNow are not lenders so make NO loan or credit decisions. The trusted lenders that we work with may, however, carry out credit checks to ascertain how creditworthy you are, your credit standing and your credit capacity. There are three reporting credit bureaus that the credit checks may be carried out with: Experian, Equifax, and TransUnion. By submitting your loan request, you agree to allow our lenders to verify your personal information and check your credit.

Please borrow responsibly and remember that a missed or late payment can have a negative impact on your credit file.

Lender Network Disclosure

365LoansNow is not a lender – we provide no loans, make no lending decisions, nor do we influence lenders in their decisions. We pride ourselves in providing a free, no-obligation service to consumers looking to borrow funds. We connect those very people, people like you, to trusted, reputable lenders who are willing to lend to them.

When using 365LoansNow to secure your loan requirements, you’ll benefit from our bespoke financial technology. Not only will you be able to access a network of lenders quickly and with ease with just one application, but we’ll also filter out the companies that don’t match your needs or personal circumstances.

All of the lenders in our network employ their unique lending criteria and have individual terms and conditions. With this in mind, when you’re approved for a loan and receive your no obligation loan offer, be sure to read the documents carefully to ascertain that it’s the right offer for you! Remember, you’re not obliged to proceed.

State Availability Disclosure

The State availability of our services via our reputable lending network is entirely dependant on lenders that operate or offer their financial products and services within any particular state. Be aware that some lenders may charge APR rates that exceed the limit of the specific State Usury Law, because of this; they can’t legally operate within that State.

The amount of interest that you can legally be charged is set by each State. These Usury Laws are there to protect consumers from unscrupulous lenders and excessive interest rates. Usury Laws are somewhat complicated by a multitude of legal loopholes and exceptions – resulting in it frequently becoming necessary for a differing rate for each situation.

As a consumer, you have the right to waive the Usury Law set interest rates; this can be done via your contract with the lender. As a result, State Interest Rate Laws that apply to your State of residence may have no bearing on the actual rates you have agreed to pay.

Lending criteria vary from State to State; this will mean that not all of our trusted lenders operate in every State. In fact, due to a lender’s eligibility criteria or State legislation, a lender has the option to decline your application and residents of some US states may not be eligible for installment loans products at all.

365LoansNow connects consumers with lenders that adhere to the specific State Usury Laws and that charge (including fees and interest), an APR rate of 4.95% minimum to 35.95% maximum, but within the legal limits that have been set by that State. Responsibility for ensuring that any agreement you enter into meets State legislation is that of the lender.

A useful point of contact regarding any concerns you may have regarding unlawful interest rates would be your State Office. They are best placed to advise you on the Usury Laws that will affect you.

365LoansNow does not undertake solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by State Law. This service is void where prohibited.

Truth in Lending Policy

To work with 365LoansNow, the lenders in our network must all comply with to the Truth in Lending Act. This means that they always supply loan offers and contractual agreements that are easily understood as best practice and as required by Federal Law. Truth in Lending helps protect you the consumer against predatory and unscrupulous lending.

Please remember the choice to proceed with a loan is all yours, you are under no obligation to accept a loan offer. Before agreeing to go ahead with the agreement, please read all of the paperwork the lender provides you with care to ensure that you understand all of the information about your loan (APR, charges etc). You also need to consider and be certain that you can afford the repayments, and that you are totally satisfied with the offer that has been made to you before signing. If in doubt, ask the lender to clarify details. An informed choice is the best choice.

Missing or Late Payments

The documents supplied by the lender stipulate some important factors regarding your loan. By signing that you agree to the terms and conditions stipulated, you also agree that you will repay your loan with interest stated in the documentation, as well as within the time specified by the lender. Failure to do so will usually result in additional charges. This applies to both late payments and missed payments, as well as failure to repay the loan in full.

Note that we at do not know, nor can we predict, what a lender will assess in the way of supplemental fees in the case of late or missing payments, or default on your loan. Likewise, we have no direct knowledge of the details within your loan agreement – those are kept confidential between you and the lender.

All pertinent financial information is spelled out within your loan agreement, including when your payments are due, how much is due at each payment, how long you will continue to make payments, as well as policies that determine penalties assessed in the event that you make a payment late, miss a payment, or default on your loan.

Notice of Impact to Your Credit Score

The lenders we partner with may need to conduct a credit check to determine your creditworthiness or income to debt ratio. By submitting a loan request, you signal your agreement to both allow these lenders access to your personal information, and to conduct such a check. Note that late or missing payments, or default on a loan, may impact your credit score in a negative way.

Notice of Collection Practices

At, we’re proud to work with leading, reputable lenders who only utilize fair collection practices. is not a lender. As such, we are not involved in any debt collection process. The specific practices used by your lender will be stipulated in your loan agreement. If you have questions regarding collection practices, contact your lender for further information.