Frequently Asked Questions

365LoansNow services are, and will always be, free of charge. However, that does not mean that a lender will give you a loan for free. Lenders generally charge fees and/or interest. Those terms must be provided to you with a full disclosure of their loan terms upon your approval for a loan. It is your responsibility to carefully read through the terms of the loan before signing your loan agreement.
If you need to make a late payment, it is best to contact your lender directly, ahead of your payment due date. Penalties for late payments differ from lender to lender, sometimes automatically adding a late payment fee if that is in their agreement. Always contact your lender directly if you have any issues with your repayment terms or for more information regarding making a late payment.
Your repayment term and schedule is determined by your specific lender. Please refer to you loan contract or contact your lender directly if you have any questions about your payment schedule.
Many people take a personal loan for unexpected expenses such as medical or vet bills. Some take a personal loan for home repairs, holiday shopping or popping the question. You can use your loan for what you need it for!
APR is an acronym for Annual Percentage Rate.
APR information is a way to measure the cost of credit in a nominal yearly rate. An APR can be between 5.99% up to 35.99%. Repayment terms may differ that what is listing on 365LoansNow, so make sure to read and understand the loan agreement thoroughly.