Borrow up to £5,000.
Decision in minutes.
Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)
Why choose Loans 365?
See how we stack up against other brokers — and why thousands choose us every month.
| ✓ Loans 365 | Other Brokers | |
|---|---|---|
| Free to use | ✓ Always free | May charge fees |
| Credit score impact | ✓ No impact | Hard searches possible |
| Lender panel | ✓ 30+ FCA-regulated | Limited panels |
| Decision speed | ✓ Instant decision | Hours or days |
| Obligation | ✓ No obligation | May pressure you |
Three simple steps to your loan
Three quick steps between you and a loan option that fits your situation.
Tell us what you need
Choose your loan amount between £100 and £5,000 and give us your email. It takes less than two minutes and won't affect your credit score.
We search our panel
We match your details against our panel of 30+ FCA-regulated lenders to find loan options that suit your circumstances and borrowing needs.
Get your money
See your matched offer, check the full terms including APR and repayment schedule, and decide whether to proceed. No pressure, no obligation. Same day payout possible.*
Built around you
We're not a lender. We're a broker that works for you — matching you with the right option from our panel of 30+ regulated lenders.
One search, 30+ lenders
One application reaches our entire panel so you don't have to shop around yourself. Compare offers in one place.
FCA regulated
Authorised and regulated by the Financial Conduct Authority (FRN: 1036139). Your protection matters to us.
All credit histories welcome
Our panel includes lenders who consider applications from people with less-than-perfect credit histories.
Fast and mobile-friendly
Apply from your phone in under 2 minutes. Most applicants see their matched option within moments.
Free to use
We never charge you a penny. Our service is completely free — we're paid by the lender if you choose to proceed.
No obligation
Getting a quote doesn't commit you to anything. Review your options and decide what's right for you.
What you should know before applying
We believe in transparency. Here's everything you need to make an informed decision.
We're a broker, not a lender
Loans 365 is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel — we don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
Missed payments affect your credit file
If you fail to make repayments on time, this will be recorded on your credit file and may affect your ability to obtain credit in the future. Always ensure you can meet the repayment schedule before accepting a loan.
Additional charges may apply
Lenders may charge additional fees for late or missed payments. These vary by lender — always check the full terms and conditions before accepting any loan offer.
Loan renewal and extension
Some lenders may offer to extend or renew your loan. This typically means additional interest and fees. Carefully consider whether renewal is right for you.
Free debt advice is available
If you're struggling with debt, free, independent help is available:
All credit histories considered
Our panel of lenders considers applications from people across the credit spectrum. Being declined elsewhere doesn't mean we can't help — we'll always search for an option that fits.
Ready to find your quote?
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