Loan365
Borrow €500–€2,000 with transparent rates (143.91%–152.03% APR), quick approval, flexible 26 or 48 week repays, and app or agent support.
Loan365 allows residents of Ireland to apply for loans from €500 to €2,000, offering weekly repayments and easy online or app-based applications. The term is flexible, letting you choose between 26 or 48 weeks, with clear weekly payment amounts. Representative APRs range from 143.91% to 152.03%. There are no hidden fees, and you have the option to work with one of their local agents for a more personal service.
How to Apply for Loan365
- Choose your preferred loan amount using the website or Loan365 app.
- Fill out the application online or through the mobile app.
- Submit required documents (proof of ID, address, PPSN, and income).
- On approval, receive funds either by bank transfer or in cash from a local agent.
- Repay weekly through the app, direct debit, or in person via your agent.
Loan365 Pros
One significant advantage is the fast turnaround: funds can be credited to your bank account within a day, depending on approval. The process is simple whether you use the app or an agent.
Loan365’s flexible repayment schedule (26 or 48 weeks) and no hidden fees policy also stand out, making budgeting straightforward for customers seeking small to mid-size loans.
Loan365 Cons
The representative APRs, ranging from 143.91% to 152.03%, may be higher than those from some banks or credit unions, so the cost of borrowing is something to consider.
Eligibility is limited to those aged 18–75 and resident in the Republic of Ireland. Also, agent services do not cover all counties.
Nosso veredicto
Loan365 is ideal for individuals who value convenience and speed, particularly those who prefer managing everything online or want professional home support. For quick, transparent loans, especially if you don’t mind higher APRs, it’s a practical solution.
