Frequently asked questions

Check out the most common questions we receive

What are your requirements?

To apply for a loan, you must be 18 years of age or older, be a Canadian resident, have at least $1,200 in monthly income (can be from a job or government assistance), and have a Canadian bank account.

When will I receive my money?

Once your loan application is approved, it usually takes 24 to 48 hours to receive the funds. In some circumstances, it could take a little longer.

Can I apply if I have bad credit?

We work with many different lenders. Some of which specialize in dealing with individuals with poor or no credit. As long as you have income, getting a loan with us shouldn't be an issue!

What happens after I apply?

Shortly after you submit your application, one of our partners will be contacting you to discuss the services you are looking for and the options available to you. The agent assigned to your application is a fully trained professional ready to assist you with all of your requirements.

I'm a recent immigrant. Can I still apply?

Yes. Even if you have no credit history we will be able to pair you with a great financial product at a competitive rate.

Do I need to make an in-person appointment?

Nope! Our entire loan application is done online and can be completed anywhere, anytime. Feel like doing it in your pajamas? Go for it!

I'm self-employed, am I eligible?

Of course! We love working with Canadian entrepreneurs and can get you the funds you require. As long as you have some income, there shouldn't be any issues matching you with one of our lenders specializing in self-employed loans.

How do I know if I'm approved?

You will be notified as soon as your application is approved. One of our partners will call you and e-mail you to inform you that your application was approved. 365 Loans strives to provide its customers with the fastest approval times in the country.

Will you check my credit score after I apply?

You must provide consent before 365 Loans or its affiliates can check your credit score. Depending on the application you select, consent to check credit may be requested on our website but it is not a requirement to your application.

What are your interest rates?

Our interest rates range from 6.99% - 46.96%. The interest rate you're eligible for will depend on your credit and financial history.

Can’t find your question? Contact us and we’d be happy to help!

Quick & simple loans for anyone!

No obligation. Any credit accepted.