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Terms of Use

Last Updated: 02/17/2025

Welcome to 365 Loan! These Terms of Use ("Terms") govern your access to and use of the 365 Loan mobile application (the "App") and any related services provided by Instant Cash Advance by 365 Loan LLC ("Company," "we," "us," or "our"). By accessing or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

1. Acceptance of Terms

By using the App, you affirm that you are at least 18 years old and a resident of the United States. You also agree to comply with all applicable laws and regulations.

By accepting these Terms, you acknowledge that:

  • You have read, understood, and agree to be bound by these Terms.
  • You have the legal capacity to enter into a binding agreement.
  • Your use of the App is voluntary, and you assume all risks associated with it.
  • If you do not agree with these Terms, you must stop using the App immediately.

We reserve the right to amend or update these Terms at any time. If we make material changes, we will notify you through the App or by other means. Your continued use of the App after such changes constitutes acceptance of the revised Terms.

2. Description of Services

365 Loan provides a platform where users can submit loan applications and receive offers from third-party lenders ("Lenders"). We do not offer loans, make credit decisions, or act as a lender.

Our services include but are not limited to:

  • Providing a platform where users can input their loan application details.
  • Matching users with potential Lenders based on their provided information.
  • Facilitating communication between users and Lenders but not participating in any loan agreements.

We do not:

  • Guarantee loan approvals or specific terms.
  • Influence Lenders’ decisions regarding approval, interest rates, or loan amounts.
  • Provide financial, legal, or credit counseling services.

You acknowledge that any loan agreement is strictly between you and the Lender, and we are not responsible for any disputes or issues arising from such agreements.

Annual Percentage Rate (APR)

The APR for loans through our app ranges from a minimum of 3.99% to a maximum of 35%. The rate you receive will depend on your credit history, the amount advanced, and the agreed repayment period.

Representative Example of APR

If you borrow $500 for a term of 12 months with an APR of 16%, the repayment terms would be as follows:

  • Monthly payment: $45.16
  • Total repayment amount: $541.92
  • Total interest paid: $41.92

Repayment Period

Our loans come with flexible repayment terms ranging from 90 days to 24 months. You can choose the repayment period that best fits your financial situation.

3. User Eligibility and Accounts

  • You must be a U.S. resident and at least 18 years old to use the App.
  • You must provide accurate, current, and complete information when using the App.
  • You are responsible for maintaining the confidentiality of your account and any activities under it.
  • We reserve the right to terminate or suspend accounts at our discretion.

To use certain features of the App, you may be required to create an account. By creating an account, you agree to:

  • Provide truthful and accurate information.
  • Keep your login credentials confidential and not share them with others.
  • Notify us immediately if you suspect unauthorized access to your account.

We reserve the right to disable any account that violates these Terms or is suspected of fraudulent activity.

4. Loan Offers and Third-Party Lenders

The App connects you with third-party Lenders who provide loan offers based on the information you provide.

  • We do not control, endorse, or assume responsibility for any Lender or loan agreement.
  • It is your responsibility to review and understand the terms of any loan offer before accepting it.
  • We are not liable for any decisions made by Lenders regarding loan approval or denial.

Loan offers are provided by independent third-party Lenders, and we do not participate in the negotiation or execution of any loan agreement. We do not:

  • Act as a broker, agent, or representative of any Lender.
  • Guarantee loan approvals, rates, or terms.
  • Involve ourselves in disputes between users and Lenders.

You should carefully review all loan terms and conditions before agreeing to any offer. The final decision to accept a loan offer is solely yours.

5. No Guarantee of Loan Approval

  • Submitting a loan application does not guarantee approval or that you will receive any specific loan terms.
  • Lenders determine loan approvals and terms based on their criteria.

Loan approval is at the sole discretion of the Lender. Factors influencing approval may include:

  • Creditworthiness and financial history.
  • Employment status and income level.
  • Lender-specific eligibility requirements.

We do not provide any assurances or guarantees regarding your likelihood of receiving a loan offer.

6. Fees and Charges

  • We do not charge users for submitting loan applications.
  • Lenders may charge fees, interest, and other costs associated with loans. You should carefully review all terms provided by the Lender before accepting an offer.

The App itself is free to use; however, Lenders may impose various fees, including:

  • Origination fees.
  • Late payment penalties.
  • Interest charges based on loan terms.

Before accepting a loan, you should thoroughly review the financial obligations involved and ensure that you can meet the repayment terms.

7. User Obligations and Restrictions

You agree not to:

  • Use the App for any unlawful or fraudulent purposes.
  • Provide false or misleading information.
  • Attempt to interfere with the App's functionality or security.
  • Violate any applicable laws or regulations.

By using the App, you further agree that:

  • You will not engage in any activities that disrupt or harm the App or its users.
  • You will not attempt to access systems, data, or personal information that does not belong to you.
  • You will comply with all state and federal lending laws and regulations.

Violating these obligations may result in account suspension or legal action.

8. Privacy Policy

Your use of the App is also governed by our Privacy Policy, which describes how we collect, use, and share your personal information. By using the App, you consent to our data practices as described in the Privacy Policy.

9. Disclaimer of Warranties

  • The App is provided "as is" and "as available" without warranties of any kind.
  • We do not guarantee that the App will be error-free, uninterrupted, or secure.
  • We disclaim all liability for third-party content, services, or loan offers.

10. Limitation of Liability

  • To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of the App.
  • We are not responsible for any losses resulting from your interactions with Lenders.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, liabilities, damages, losses, or expenses arising from your use of the App or violation of these Terms.

12. Changes to Terms

We may update these Terms from time to time. Continued use of the App after changes are posted constitutes your acceptance of the revised Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of law principles. Any disputes will be resolved through arbitration in Wyoming, except where prohibited by law.

14. Contact Information

For questions or support, contact us at:

Instant Cash Advance by 365 Loan LLC

Principal Office: 30 N Gould St Ste N, Sheridan, WY 82801 USA

Email: hi@cashadvanceby365.com

By using the App, you acknowledge that you have read, understood, and agreed to these Terms of Use.