Loan365 Ireland
Quick loans from €500-€2000, 26 or 48 week terms. Payout to your bank or cash at home. No hidden fees. Simple, fast approval for all ROI residents 18-75.
Loan365 Ireland provides a personal loan solution designed for residents of the Republic of Ireland, aged 18-75. These are small, short-term loans from €500 up to €2,000, offering terms of either 26 or 48 weeks. The APR ranges from approximately 143.91% to 152.03%, depending on your chosen term. There are no hidden fees, and you have the flexibility to apply entirely online or through a local agent—ideal for those preferring a face-to-face experience.
How to Apply for a Loan365 Loan
The Loan365 application process is straightforward. Start by choosing your desired loan amount and repayment term on their app or website. Complete the online form by providing proof of income, address, and identification details. Once submitted, your application is reviewed for affordability. If you prefer, you can request a visit from a local agent to finalise or submit the documents in person, with the option to receive your loan in cash at home.
Pros
One advantage is convenience: you can access quick cash with manageable weekly payments, either deposited directly into your bank account or handed to you in person. Flexible payment options are available via the Loan365 app, direct debit, or by cash with a local agent. The service is inclusive to all residents in the ROI regardless of savings accounts or benefits status, with no membership requirements.
Cons
The main downside is the high interest rate—Loan365 loans are relatively expensive when compared to traditional credit union or bank products. Availability is also limited if you live outside the regions covered by local agents, such as outside Louth, Meath, or Cavan. Additionally, you must provide several documents including proof of identity, address, and income, which may deter those seeking a very fast or minimal-paperwork experience.
Our Verdict
If you need a small, short-term loan fast and value weekly repayment flexibility, Loan365 is a solid pick for ROI residents. Approval is quick, the process is transparent, and you may choose a fully digital or face-to-face service. However, weigh the higher-than-average APR and ensure you’re comfortable meeting weekly repayments before applying.