Canada's Best Loans,
Found in Seconds.
Compare 500+ lenders and get matched with the best rate for your credit profile — no paperwork, no hard checks.
Why Choose 365 Loans
for Personal Loans
365 Loans connects you with top lenders, so you can find the best rates without the bank runaround.
01
Low Interest Rates
Access competitive rates from multiple lenders, often lower than credit cards.
02
Safe & Secure
Your data is protected with bank-level 256-bit SSL encryption.
03
Fast Funding
Get approved in minutes and receive funds as soon as the next business day.
04
No Hidden Fees
Transparent terms with no surprise charges. What you see is what you get.
05
All Credit Welcome
Whether your credit is excellent or needs work, we have options for you.
06
Personalized Offers
Get loan offers tailored to your specific needs and financial situation.
How to Get a Personal Loan
in 3 Easy Steps
Our streamlined process gets Canadians from application to funding faster than traditional banks.
Quick Application
2-minute form. No paperwork, no hard check.
Compare Offers
Matched with top Canadian lenders instantly.
Get Your Funds
Funds deposited to your bank in 24h.
No hard credit check · Free to use · Results in seconds
Trusted by 50,000+ Canadians
"Got approved in minutes and had money in my account the next morning. Couldn't believe how easy it was compared to going to my bank."
Sarah M.
Toronto, ON
"I was worried about my credit score but they found me a great rate anyway. Saved me hundreds compared to what my bank offered. The process was transparent from start to finish — no hidden steps, no surprises."
James T.
Vancouver, BC
"Needed emergency funds fast. The whole process took less than 10 minutes and I had multiple offers to choose from. Highly recommend."
Priya K.
Calgary, AB
"No hidden fees, no surprises. Everything was clearly laid out before I signed anything. Finally a loan service I can trust."
Daniel R.
Ottawa, ON
"Used 365loan for debt consolidation. The rate I got was much better than expected and the process was completely hassle-free."
Michelle L.
Montreal, QC
"Quick, transparent, and professional. The soft credit check meant no impact on my score while I was shopping around."
Kevin O.
Edmonton, AB
What you should know before
getting a loan.
How to Get a Personal Loan With Bad Credit in Canada
Your options don't end at the bank. Discover how to secure funding even with a low credit score.
Personal Loan Rates in Canada: What to Expect
From fixed to variable — how lenders price your loan and how to negotiate better terms.
Debt Consolidation Loans: Is It the Right Move for You?
Combine multiple debts into one simple payment and potentially lower your interest rate.
Frequently Asked Questions
About Personal Loans in Canada
Find answers to common questions about our loan process, rates, and requirements.
Most applicants receive loan offers within minutes of completing the application. Once you accept an offer, funds are typically deposited into your bank account within 24 hours, though some lenders offer same-day funding.
Loan amounts range from $300 to $5,000, depending on your needs and qualifications. You choose the amount that works best for your situation.
You must be a Canadian citizen or permanent resident, at least 18 years old (19 in some provinces), with a valid Social Insurance Number (SIN) and an active bank account in your name.
We work with lenders across all Canadian provinces and territories. However, some lenders may have specific provincial restrictions based on local regulations. You'll see available offers based on your location during the application.
No! We use a soft credit inquiry to check your rate, which does not impact your credit score. A hard inquiry only occurs if you choose to accept a loan offer and proceed with the application.
We work with lenders who accept all credit types, from excellent to poor credit. Your specific offers will depend on your overall financial situation, not just your credit score.
We work with lenders who report to Canadian credit bureaus like Equifax Canada and TransUnion Canada. Our initial rate check uses a soft inquiry that won't affect your credit score. Responsible repayment can help build your Canadian credit history.
Absolutely not. All fees, interest rates, and terms are clearly disclosed before you accept any offer. We believe in complete transparency with our customers.
Yes, all loan amounts and repayments are in Canadian dollars (CAD). You can borrow between $300 and $5,000 depending on your qualifications.
Yes, we use industry-standard 256-bit SSL encryption to protect your data. Your information is never sold to third parties and is only shared with lenders to process your application.
Ready to Find Your
Best Loan Rate?
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