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Loan365 review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Loan365 lends €500 to €1,500 to adults in the Republic of Ireland over 6 to 12 with no upfront arrangement fee, and it is a direct lender. The cost is the rate: 143.91% to 152.03% is far above the 14.43% typical of the personal loans it is compared with.

Key facts

Best for
Short, fixed rate personal loans in the Republic of Ireland with no upfront fee.
APR
143.91% to 152.03%↗
Loan amount
€500 to €1,500↗
Term
6 to 12 months↗
Arrangement fee
EUR 0 (no upfront fee; all charges included in weekly repayments)↗
Credit check
Hard↗
Funding time
Funds usually within 24 hours of approval, sent to your bank account↗
Representative example
EUR 500 loan over 26 weeks: 26 weekly payments of EUR 24.23, 152.03% APR, total amount payable EUR 630↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Aged 18 to 75 and living in the Republic of Ireland; you need a bank account, ID, proof of address, PPSN, proof of income and recent bank statements↗
Loan types
Personal↗
Legal entity
Stalwart Investment Limited t/a Loan365↗
Headquarters
Ireland↗
Founded
2013↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
loan365.ie

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No upfront arrangement fee, with all charges folded into the weekly repayments
  • Fixed rate, so weekly payments stay the same across the term 6 to 12
  • A direct lender rather than a broker, so you deal with one company
  • Funds usually arrive within a day of approval, straight to your bank account

Cons

  • The rate of 143.91% to 152.03% is much higher than the 14.43% typical across personal loans
  • Borrowing is capped at €500 to €1,500, which suits short needs rather than larger ones
  • Applications run a hard credit check, and the proof list is long
Loan365

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Adults living in the Republic of Ireland who need a small personal loan over a short term
  • Borrowers who want a fixed weekly repayment and no upfront fee
  • People who want the money paid into their bank account quickly after approval

Who should look elsewhere

  • Anyone needing more than €500 to €1,500, since the ceiling is low for a personal loan
  • Borrowers with a poor credit history, as the check is hard and the rate is punishing
  • Most people, because 143.91% to 152.03% sits well above the 14.43% median

How Loan365 compares

Where Loan365 is available

Available
Ireland
Licence in Ireland
Central Bank of Ireland, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Loan365 charge?+

The rate runs 143.91% to 152.03% and it is fixed for the whole term. The representative example on a loan of €500 to €1,500 shows weekly payments that add up to a total well above the amount borrowed, which is why the rate matters more than the headline figure.

Is there an arrangement fee?+

No. There is no upfront fee on a Loan365 loan, and every charge is built into the weekly repayments you agree at the start. That makes the total cost visible in the repayment figure rather than added on later.

How much can I borrow and for how long?+

Loan amounts run €500 to €1,500 and the term runs 6 to 12. That is a short, small loan rather than a large personal loan, so it suits a gap between payslips more than a planned purchase.

How fast do I get the money?+

Funds usually reach your bank account within a day of approval. Approval comes first, so the documents you supply and the credit check set the pace rather than the payout itself.

Is Loan365 regulated?+

Loan365 trades as Stalwart Investment Limited and is listed with the Central Bank of Ireland in the Republic of Ireland, which is the only market it serves. A hard credit check runs on the application.

Who can apply?+

You need to be an adult living in the Republic of Ireland with a bank account, ID, proof of address, a PPSN, proof of income and recent bank statements. It is a documented application rather than a quick tap, so have the paperwork ready.

What does a hard credit check mean here?+

A hard credit check means the search is recorded against your file whether or not you go ahead, so it carries some weight for future lenders. Approving a smaller sum and staying on top of the weekly repayments matters at a rate of 143.91% to 152.03%.

How do I get help?+

Support runs on email, phone and help centre, so you can reach the team by phone, by email or through the help centre. Phone and email are the quickest routes if a repayment date is coming up.

Sources

  • loan365.ie checked September 26, 2026

    Backs: APR, Eligibility, Funding time, Lender type, Representative example, Support channels, Licences

    “EUR 500 loan over 26 weeks: 26 weekly payments of EUR 24.23. Total interest charge: 26% of the amount borrowed (152.03% APR). Total amount payable: EUR 630. EUR 500 loan over 48 weeks: 48 weekly...”

  • loan365.ie/about-us checked September 26, 2026

    Backs: Founded

    “Since 2013, Loan365 has helped customers explore borrowing options with clear information, manageable repayment terms and support when they need it.”

  • loan365.ie/central-credit-register-information checked September 26, 2026

    Backs: Loan types

    “Included loans: Personal loans; High cost credit provider loans”

  • loan365.ie/faq checked September 26, 2026

    Backs: Loan amount, Arrangement fee, Term

    “You could borrow between EUR 500 and EUR 1,500, subject to affordability.”

  • loan365.ie/privacy-policy checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

    “search credit reference and fraud prevention agency records, including information from overseas”

  • loan365.ie/what-is-apr checked September 26, 2026

    Backs: Pricing model, Rate type

    “The interest rate will never change during the course of your loan so you always know where you stand.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Loan365

Loan365

Short, fixed rate personal loans in the Republic of Ireland with no upfront fee.

8.8/10See alternatives