Easy loans. Simple application. No hassle
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 for an easy application?
One simple form. One search. 30+ FCA-regulated lenders. That's it.
| ✓ 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 to be simple
Applying for a loan shouldn't be complicated. We keep it to one short form and one search.
One simple form
One short form takes less than 2 minutes to complete.
30+ lenders, one search
Your single application reaches our whole panel.
Instant decision
Get an answer in seconds, not days.
All credit histories
Our lenders consider applications across the credit spectrum.
Free to check
No cost and no impact on your credit score.
Mobile-friendly
Apply from your phone, wherever you are.
What you should know before applying for an easy loan
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.
Easy application does not mean guaranteed approval
A simple form makes applying easier, but approval still depends on each lender's criteria. An easy process is not a guarantee of approval.
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.
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 for an easy loan?
One simple form, 30+ lenders. Instant decision, no hassle.
Get my free quote →