Loan365
Flexible loans from €500 – €2,000, paid direct to your account or in cash. Weekly repayments and no hidden fees make Loan365 an accessible choice in Ireland.
Loan365 offers personal loans in Ireland between €500 and €2,000 with regarded speed and flexibility. With terms of either 26 or 48 weeks, the lender provides weekly repayment options, making it easy to budget effectively. Interest rates vary from 143.91% APR (48 weeks) to 152.03% APR (26 weeks), and repayments can be managed via the app or directly with a local agent.
The application process is open to Irish residents aged 18-75, emphasising straightforward documentation: proof of ID, address, PPSN, and income. You’re not required to join any savings scheme or be part of a specific group – eligibility is assessed on your own circumstances.
How to Apply for Loan365
1. Choose your preferred loan option and repayment term.
2. Apply through the Loan365 website or download their app.
3. Submit your personal and financial documents for verification.
4. Select to have funds sent to your bank account or to arrange a home visit for cash delivery.
5. If approved, set up weekly repayments via direct debit, app, or cash to your agent.
Loan365 Advantages
The main advantage of Loan365 is its accessibility: you can apply online or via app, and even receive cash at home if you prefer personal service.
Weekly payments make budgeting simpler for many, and having the flexibility to repay via the app, cash, or direct debit is a real plus.
Potential Downsides
The main drawback is the high APR, which is standard for short-term loans but may not suit all borrowers.
Service coverage for agent visits is currently limited to Louth, Meath, and Cavan counties only.
Verdict: Is Loan365 Right for You?
Loan365 is a solid option for people seeking quick access to small loans with flexible repayments. The process is transparent, user-friendly, and tailored for Irish borrowers.
However, it’s best suited for those who are comfortable with the higher cost typical of short-term lending and live in the covered regions for agent service.