error This company may not service all states.

Founded in 2017, SDL365 Financial Choice LLC, also known as Same Day Loans 365, offers personal loans, installment loans, and payday loans in 38 states. It is an online loan matching service, not a direct lender. With one application, users can be connected with hundreds of direct lenders.

Depending on the lender and your offer, Payday Loan APRs range between 40 and 2,290 percent, with loan amounts between $100–$1,000. Online personal loans are also available, depending on credit, between $100 to $3,000.

Same Day Loans 365 caters to people with bad credit or no credit. No traditional credit check is performed, so it won’t affect your bank account. Decisions are made the same day, but it can take one business day for funds to be received.

Loan Eligibility:

  • U.S. citizen
  • 18+ years old
  • Regular income that meets lenders’ minimum monthly net income requirement (around $1,000)
  • Not be in the military or a spouse/dependent of a military member (because of the APR rates).

Keep reading for pros and cons of working with Same Day Loans 365.

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The Good

  • One Application
  • Funding Time

One Application

As with all loan matching services, the biggest advantage is that a user can fill out one loan application, and the service sends details to multiple lenders across the country. This helps to easily vet the best offer, without having to fill out multiple online loan applications.

This application also lets you know which type of loans you are really looking for, based on the amount and terms.

Funding Time

On Same Day Loans 365, if an application is approved by noon, some lenders can get the money into your account on the same business day. Most others will take about one business day.

This quick funding is always helpful when you have an unexpected bill or emergency that you need to take care of.

Review Icon

Customer Review: Paul Burrows from Chatsworth, Georgia

"I've got an amazing experience with SameDayLoans365. Super fast guys, I got my loan the same day! Just amazing!"

The Bad

  • Indirect Lender
  • Personal Info

Indirect Lender

When you apply for a loan on samedayloans365.org, you aren’t applying for a direct loan through SDL365 Financial Choice LLC. You are just filling out an application, which is then sent to lenders in this service’s network.

Each individual lender has different policies about credit checks.

Credit decisions and actual money lending is done by a third party after you are offered and accept a loan.

Personal Info

In the Terms and Conditions, users agree that their personal information can be shared with third-party marketing companies. This is fairly typical in the payday loan industry, but only the most socially responsible lenders keep your name and address private.

The Bottom Line

At samedayloans365.org, you can certainly fill out a loan application and be matched with lenders, regardless of your credit score. However, we need a little more information from actual borrowers before we can recommend this loan service because terms and rates, as well as lending policies and fees depend on the actual direct lender you end up being matched with.

Have you gotten a loan through Same Day Loans 365? Let us know about your experience with a quick review below.

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User Reviews

Star Rating

4.8
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17 Reviews

Review Breakdown

5 star
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4 star
24%
3 star
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1 star
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Camilla

August 31st, 2020 ,

It is so easy to find a random loan service and go for it, but people should understand that when looking for this kind of loan, you should do a research and really dig into it cause there are so many scams. So take great care, check everything possible, speak to the support first, find out what are the guarantees and then apply. With this website it was easy for me, my mother in law recommended it to me and I just applied. So now it's my turn to recommend it to you!

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Greybl

August 10th, 2020 ,

Thx for the loan, the costumer support wasn't as quick though. Anyway -satisfied

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Mary-Ann Costby3

July 28th, 2020 Chandler, AZ

it is so great have have this company saved for a back up plan! hope more services would take it as example of offering fair terms and total transparency to customers.

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TimR

June 8th, 2020 North Brunswick, NJ

Didn't really expect to have my loan application approved since my credit score was really dirty but they approved it! Thank you for trusting me and helping out!

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TomPeps

May 28th, 2020 Kirkland, WA

had to take loan this month and i'm surprised at how it turned out! really great experience and fast service.

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FitToreM

May 16th, 2020 Bossier City, LA

Never had any difficulties or delays with this company. Always quick and easy to access which is so important in stressful situations or simply when you absolutely cannot waste time for waiting.

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George W.

March 30th, 2020 Columbus, OH DETAILS arrow_drop_down
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The application was quick and easy. Lara was the representative that assisted me. She was very professional, friendly, and very helpful! She was the one that made the process so easy. I am very pleased. Highly recommended!

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Paul Burrows

February 13th, 2020 Chatsworth, GA DETAILS arrow_drop_down
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I've got an amazing experience with SameDayLoans365. Super fast guys, I got my loan the same day! Just amazing!

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Daniel

January 24th, 2020 Alton, IL DETAILS arrow_drop_down
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I'd like to say some words about Gregory. He is one of all customer agents who is always nice, patient and responsible. Also, it's important to mention that he's extremely knowledgeable of the whole process. Just for the record, he even caught a mistake with my payment dates. An amazing representative!

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Reply from Same Day Loans 365

Jul 07, 2020

Dear Daniel, We assure you that Gregory will be informed about your kind words. As well, we want to thank you for bringing up the amazing work our customer support does daily and for giving us a 5-star experience. It means the world to us!

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Tiffany

January 20th, 2020 Sparks, NV DETAILS arrow_drop_down
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I've been using this loan connecting service for several years. Never had any complaints. The loan application process has never been stressful. It's always easy and fast! Considering the fact that I'm a quite busy person, this company is the best choice for me and for all people who have a lot of important things to do.

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Laurie

January 11th, 2020 Bullard, TX

I've been using this service for several years. Of course, I've tried different companies, and I can allow myself to compare. So, I need to say that actually, this is the first place to go for a quick emergency loan. SDL 365 is the most loyal and trustworthy company I've ever dealt with concerning getting a loan. I definitely recommend them to you.

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Reply from Same Day Loans 365

Jul 07, 2020

Dear Laurie, Thank you so much for the kind rating and for sharing your experience with the audience. We invest most of our time in creating a safe place for our consumers. It is amazing to see that those efforts are appreciated.

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Lee Wt

October 30th, 2019 Fort Wayne, IN

Money received the next day that was super helpful for me thanks

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Matilda

October 1st, 2019 Laredo, TX

First time tried an online loan service. It worked good for me. The application form is very clear that significantly eases the process of submission. I've got the approval for my $200 loan the next day.

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Laura T.

August 16th, 2019 Covina, CA

My experience with Same Day Loans 365 was great! For me, the whole process of getting a loan is bit stressful, but these guys made it simple and fast. If I ever need a loan again, I will use this service.

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Jack Davis

July 23rd, 2019 Rego Park, NY

This was not the first time I need money urgently. Luckily, I found this website. I'm from NY and it's difficult to get quick cash here. They found me a loan offer, a little bit pricey, but it was an option. The process was smooth.

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Reply from Same Day Loans 365

Jul 07, 2020

Dear Jack Davis, We are really happy to know that you are satisfied with our service. Thank you for sharing your concern about the rates. We work as hard as possible to provide our customers with the best options out there.

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Tessa B.

July 16th, 2019 Everett, WA

This is a genuine and helpful company. Their website is attractive and filled with tons of useful information for people without much financial knowledge, or for those who simply need a refresher. This helps a potential customer make a well-informed decision about their money. I have also had a friendly and efficient experience with customer service. I wish this company the best!

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James

June 24th, 2019 Sunnyvale, CA

Their loan application was easier than i expected. I was also surprised by the speed - i have been approved quickly enough. Thanks!

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