Loan365 review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Loan365 suits adults in the Republic of Ireland who need a small short-term loan quickly: no upfront arrangement fee and money usually arriving soon after approval. Borrowing runs €500 to €1,500, while 143.91% to 152.03% is the price of that convenience and sits well above the 12.25% median for personal loans.

Key facts

Best for
A small short-term loan with weekly repayments, no upfront charge and money in the account soon after approval.
APR
143.91% to 152.03% (Source, checked September 26, 2026)
Loan amount
€500 to €1,500 (Source, checked September 26, 2026)
Term
6 to 12 months (Source, checked September 26, 2026)
Arrangement fee
EUR 0 (no upfront fee; all charges included in weekly repayments) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Funds usually within 24 hours of approval, sent to your bank account (Source, checked September 26, 2026)
Representative example
EUR 500 loan over 26 weeks: 26 weekly payments of EUR 24.23, 152.03% APR, total amount payable EUR 630 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Aged 18 to 75 and living in the Republic of Ireland; you need a bank account, ID, proof of address, PPSN, proof of income and recent bank statements (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Stalwart Investment Limited t/a Loan365 (Source, checked September 26, 2026)
Headquarters
Ireland (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
loan365.ie

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No upfront arrangement fee, with every charge folded into the weekly repayments.
  • Funds usually reach your bank account soon after approval.
  • Support runs on email, phone and help centre, so help is reachable by phone or email.
  • 6 to 12 of fixed-rate terms keep the weekly amount steady.

Cons

  • 143.91% to 152.03% runs well above the 12.25% median for personal loans on the site.
  • The credit check is hard, so an application leaves a mark other lenders can see.
  • Borrowing stops at €500 to €1,500 and terms end after 6 to 12, which is tight for a larger expense.
Loan365

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Who it suits

  • Adults living in the Republic of Ireland who can supply a bank account, ID, proof of address, a PPS number, proof of income and recent bank statements.
  • Borrowers who want a small sum released soon after approval and cleared in weekly instalments.
  • People who prefer dealing with the lender itself, since Loan365 is a direct lender.

Who should look elsewhere

  • Anyone choosing on total cost, since Monzo Flex quotes 10% to 23% against the 143.91% to 152.03% here.
  • Borrowers who want a spread of offers to compare, since Cashspace quotes PHP 12 to PHP 36 and Cashspace ES lists 0%.

How your money is protected

Loan365 is a direct lender, so you sign with the lender rather than a broker, and the agreement runs directly with Stalwart Investment Limited t/a Loan365, the named company behind the brand. The regulator is the Central Bank of Ireland. The representative example shows a small €500 to €1,500 loan cleared in weekly instalments at the top of its 143.91% to 152.03% range, which is the figure to weigh before applying.

How Loan365 compares

Where Loan365 is available

Available
Ireland
Licence in Ireland
Central Bank of Ireland, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Loan365 personal loan cost?+

The APR runs 143.91% to 152.03%, well above the 12.25% median for personal loans on the site. The representative example clears the smallest €500 to €1,500 loan in weekly instalments at the top of that range, with every charge built into the payment. Cost is the main reason to look elsewhere.

Is there an arrangement fee to pay up front?+

There is no upfront arrangement fee, and every charge is included in the weekly repayments rather than deducted at the start. The trade-off sits in the rate: 143.91% to 152.03% is what you pay for a fixed rate loan, so the weekly amount looks small while the total repaid is not.

How quickly does a Loan365 loan reach the account?+

Funds usually reach your bank account soon after approval, sent straight to the account you provide at application. Repayments then run over 6 to 12 on a fixed rate basis, so the weekly amount is set at the start and does not change if rates move elsewhere.

Does Loan365 run a credit check?+

The check is hard, so a full search is recorded and other lenders can see an application has been made. Hard checks are also the most common on personal loans across the site at 76.5%, so it is expected, but a tidied file still helps.

Who can apply for a Loan365 loan?+

Applicants must be adults above a stated minimum age and living in the Republic of Ireland, with a bank account, ID, proof of address, a PPS number, proof of income and recent bank statements ready. Loan365 is a direct lender, so the agreement is with the lender itself rather than a middleman.

Which regulator supervises Loan365?+

The lender sits under the Central Bank of Ireland, and the Republic of Ireland is the only market it lends in. The borrowing contract is with Stalwart Investment Limited t/a Loan365, a single named company that issues the personal loan offered here, so there is one counterparty to deal with.

How do I contact Loan365?+

Support runs on email, phone and help centre, so the lender can be reached by phone or email, and a help centre covers common questions in writing. Because Loan365 is a direct lender, the same team handles the application and the 6 to 12 repayment schedule afterwards.

How much can I borrow from Loan365 and over what term?+

Loan amounts run €500 to €1,500 and terms run 6 to 12, which keeps the product aimed at short-term needs rather than major expenses. The smallest €500 to €1,500 loan is the one shown in the representative example, and every repayment after that is weekly.

Sources

  • loan365.ie checked September 26, 2026

    Backs: APR, Eligibility, Funding time, Lender type, Representative example, Support channels, Licences

    “EUR 500 loan over 26 weeks: 26 weekly payments of EUR 24.23. Total interest charge: 26% of the amount borrowed (152.03% APR). Total amount payable: EUR 630. EUR 500 loan over 48 weeks: 48 weekly...”

  • loan365.ie/about-us checked September 26, 2026

    Backs: Founded

    “Since 2013, Loan365 has helped customers explore borrowing options with clear information, manageable repayment terms and support when they need it.”

  • loan365.ie/central-credit-register-information checked September 26, 2026

    Backs: Loan types

    “Included loans: Personal loans; High cost credit provider loans”

  • loan365.ie/faq checked September 26, 2026

    Backs: Loan amount, Arrangement fee, Term

    “You could borrow between EUR 500 and EUR 1,500, subject to affordability.”

  • loan365.ie/privacy-policy checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

    “search credit reference and fraud prevention agency records, including information from overseas”

  • loan365.ie/what-is-apr checked September 26, 2026

    Backs: Pricing model, Rate type

    “The interest rate will never change during the course of your loan so you always know where you stand.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Loan365

Loan365

A small short-term loan with weekly repayments, no upfront charge and money in the account soon after approval.

8.7/10See alternatives

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