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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

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1 grade

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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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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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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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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