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.

The Bad

  • Indirect Lender
  • Personal Info

Indirect Lender

When you apply for a loan on, 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, 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


6 Reviews

Review Breakdown

5 star
4 star
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1 star

Sentiment Criteria

Value for your money
Quality of product or service
Customer service
Company trustworthiness
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Lee Wt
October 31st, 2019 Fort Wayne, IN

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

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.

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.

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.

Tessa B.
July 17th, 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!

June 27th, 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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