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Same Day Loans 365

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6.1

Overall Score

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LAST UPDATED: May 30th, 2023

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 $50–$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.

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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!"

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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.

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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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Star Rating

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4.8

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33 Reviews

Review Breakdown

5 grade

82%

4 grade

15%

3 grade

3%

2 grade

0%

1 grade

0%

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Leslie Schwinden Houston, TX

was in a tough spot and needed a loan quickly the manager was able to get me the funds I needed in just one day, which was a huge relief. The interest rate was a bit high, but I was able to repay the loan on time and avoid any additional fees. Overall, I am happy with my borrowing experience

10 months ago

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Reply from Same Day Loans 365

Hi, Leslie! So glad that you had such a great borrowing experience with our service. Best Regards, Same Day Loans 365 Team!

Apr. 29th, 2023

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Nicole Melcom CA

I had a very bad experience when I tried to get a loan for my home renovations. I was rejected by all the lenders I applied to, and then you accepted me am very happy to have the opportunity to work with you and thank you for your help.

11 months ago

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Reply from Same Day Loans 365

Hi, Nicole Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Julius Holliday IL

I'm writing to let you know how impressed I am with your service, i've been in dire need of a loan for a while now, but couldn't find any agency that would give me the money that's when my sister recommended your service, and I decided to apply the process was simple, and the managers were friendly and helpful at every step of the way Iam so happy with my decision to use your company as my lender, thank you so much!

1 year ago

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Reply from Same Day Loans 365

Hi, Julius! We are happy for your experience! Thank you for you review. Best Regards, Same Day Loans 365 Team!

Feb. 28th, 2023

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Letisha Sunders Philadelphia, PA

Working with this service has been a breeze! They offered me the best loan rate and their customer service is exceptional. I applied for a loan and the process was so straightforward and quick. Not to mention, they keep in touch to make sure my payments are taken care of without any hassle.. they really lives up to its name - it's fast, reliable and always available when you need them.

1 year ago

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Reply from Same Day Loans 365

Hello, Letisha! Thank you so much for you reviews! We are happy you managed to get the best rates. Best Regards, Same Day Loans 365 Team!

Feb. 28th, 2023

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Stacie Perdaza Miami, FL

I've never had to use a loan before, but when I had the opportunity to do so, I was pleasantly surprised by how easy it was... the process was quick and painless, and the people who helped me were amazingly kind and caring. They made sure that I understood everything that was going on, and they made sure that I felt comfortable with what I was doing...

1 year ago

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Reply from Same Day Loans 365

Thank you so much for your review, Stacie!

Feb. 28th, 2023

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Camilla ,

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!

3 years ago

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Reply from Same Day Loans 365

Dear Camilla, we appreciate so much you sharing this detailed review. Thank you for giving the best pieces of advice to our community.

Oct. 19th, 2020

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Laurie 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.

4 years ago

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Reply from Same Day Loans 365

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.

Jul. 7th, 2020

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Tessa B. 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!

4 years ago

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Reply from Same Day Loans 365

Hi, Tessa Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Conrad Fern San Francisco, CA

I love your dedication and speed on helping people. I was working with a team member named Michelle F and I needed help with a loan application. She was so helpful and made it really easy for me to understand what I needed to do. This location just made my day!!

1 year ago

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Reply from Same Day Loans 365

Hi, Conrad! The speed is really our priority! Thank you for your review!

Feb. 28th, 2023

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pamela Landry Tampa, FL

went online, did some research, and found out about quick loans for people with lousy credit. It sounded too good to be true—but it wasn't! Within minutes of applying, I had the money in my account. The loan was easy to apply for and get approved

1 year ago

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Reply from Same Day Loans 365

Hi, Pamela! Thank you for your review!

Feb. 28th, 2023

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Daniel Alton, IL

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!

4 years ago

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Reply from Same Day Loans 365

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!

Jul. 7th, 2020

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Tiffany Sparks, NV

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.

4 years ago

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Reply from Same Day Loans 365

Hi, Tiffany Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Jack Davis 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.

4 years ago

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Reply from Same Day Loans 365

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.

Jul. 7th, 2020

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dale Reeves

So, I stumbled upon this service when I was desperately in need of some moolah to fix my car these guys cant call themselves "loan sharks' believe me, their ratees are too high and the process wasnt straightforward, but their customer service team was like a bunch of cool buddies helping me out.

8 months ago

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Reply from Same Day Loans 365

Dear Dale, Thank you for taking the time to provide your feedback. We value your opinion and will use it to enhance our services. If there's anything specific you would like us to address or improve upon, please let us know. We appreciate your support and hope to have the opportunity to serve you better in the future. Best Regards, Same Day Loans 365 Team!

Jun. 1st, 2023

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william roberts

needed only my id card to apply, they verified my income through the company that made the credit check all the info was there in thei data base, amazing service i would say

9 months ago

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Reply from Same Day Loans 365

Hi, William! Thank you so much for your kind words! We are delighted to hear that you had a positive experience with us. Our team works hard to ensure that our customers receive the best service, and your feedback is truly appreciated. We look forward to serving you again in the future. Kind Regards, Same Day Loans 365 Team!

Jun. 1st, 2023

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james snipes TX

i know how crucial rates are for lenders but these guys really dont care about them and provide the lowest charges of the market for payday loans thanks for this

10 months ago

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Reply from Same Day Loans 365

Hi, James! We are happy that you had such a great experience with us. Best Regards, Same Day Loans 365 Team!

Apr. 29th, 2023

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laura beckfield GA

I wanted to share my experience with you guys, I was just approved for a loan from your company. I have been working with the same company for years, but they weren't able to help me out this time around. It's so great that you guys have such a wide

1 year ago

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Reply from Same Day Loans 365

Hi, Laura! Thank you for your review!

Feb. 28th, 2023

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George W. Columbus, OH

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!

3 years ago

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Reply from Same Day Loans 365

Hi, George Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Laura T. 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.

4 years ago

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Reply from Same Day Loans 365

Hi, Laura Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Luis Jacky junior FL

Found out a buddy was coming home for RnR around his birthday so i had no time to put aside extra cash for celebration logged on got approved! helped a lot

1 year ago

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Reply from Same Day Loans 365

Hi, Luis! Thank you for your review!

Feb. 28th, 2023

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vicky donovan GA

thanks a lot for the best customer care even if it is online, it is very human approaching, not just a machine of getting money! really happy i found you!

1 year ago

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Reply from Same Day Loans 365

Hi, Vicky! Thank you for your review!

Feb. 28th, 2023

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Mary-Ann Costby3 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.

3 years ago

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Reply from Same Day Loans 365

Hi, Mary-Ann Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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TimR 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!

3 years ago

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Reply from Same Day Loans 365

Dear TimR, we are happy to know that your application has been approved despite the bad credit score and that your expectations have been met. Thank you for being with us.

Oct. 19th, 2020

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FitToreM 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.

3 years ago

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Reply from Same Day Loans 365

Hi, FitToreM Thank you so much for your review! We will make efforts to improve our processes. Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Matilda 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.

4 years ago

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Reply from Same Day Loans 365

Hi, Matilda Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Elyse Cook Dallas, TX

did not know it was possible to get a loan so quickly. I applied for my loan on the same day and had it by the end of the same day

1 year ago

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Reply from Same Day Loans 365

Hi, Elyse! Thank you for your review!

Feb. 28th, 2023

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Luke Newark, NJ

thanks for the best borrowing experience, small dollar loans are the cheaper than at my lender officer, great to have you here!

1 year ago

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Reply from Same Day Loans 365

Hi, Luke! Thank you for your review!

Feb. 28th, 2023

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James Sunnyvale, CA

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

4 years ago

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Reply from Same Day Loans 365

Hi, James Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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Paul Burrows Chatsworth, GA

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

4 years ago

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Reply from Same Day Loans 365

Hi, Paul Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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TomPeps Kirkland, WA

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

3 years ago

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Reply from Same Day Loans 365

Hi, Tom Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023

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clay Gragson Dallas, TX

their online form is open 24/7, i applied on sunday and it was all good

1 year ago

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Reply from Same Day Loans 365

Hi, Clay! Thank you for your review!

Feb. 28th, 2023

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Greybl ,

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

3 years ago

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Reply from Same Day Loans 365

Dear Greybl, thank you for the review and for choosing our company!

Oct. 19th, 2020

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Lee Wt Fort Wayne, IN

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

4 years ago

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Reply from Same Day Loans 365

Hi, Lee Thank you so much for your review! Please, rely on us whenever you need financial help. Best Regards, Same Day Loans 365 Team!

Apr. 1st, 2023