Terms & Conditions

365 Day Loans is a referral service and lead generation website. We help connect consumers with lenders and financial service providers. We are not a lender, loan broker or financial institution and do not issue loans or make lending decisions.

We do not set a provider's rates, fees, amounts, repayment schedules or approval requirements. An available loan agreement is between the applicant and the issuing provider.

We are not affiliated with or endorsed by a government benefit program. References to CPP, ODSP, Canada Child Benefit or other income sources do not make a loan a government product.

Requests are subject to the platform's entry requirements and provider availability.

[Insert verified platform minimum age, residency requirements, supported locations and any income or banking conditions. Distinguish these from lender-specific eligibility.]

Providers may have additional criteria or require further verification. Meeting initial conditions does not guarantee an offer. Our eligibility page provides general information rather than a lending decision.

Submit information that is accurate and current. Only provide another person's information when lawfully authorized and when the process permits it.

Do not impersonate another person, submit fraudulent records or misuse verification systems. If information is incorrect, contact the relevant business promptly to request correction.

We may restrict misuse of our service where reasonably necessary and permitted by law. Restrictions do not remove applicable privacy or consumer rights.

[Describe the actual routing process, including whether the request goes to one provider, several providers or an external application operator. Identify material steps before submission.]

A provider may ask for identification, income evidence, banking verification or other information. Confirm whether a credit bureau inquiry is involved before authorizing it.

Submission does not itself create a loan agreement. An acknowledgement, initial eligibility result or pre-approval may be conditional on further checks. Review the provider's final agreement before accepting.

These website terms do not themselves authorize every provider to obtain a credit report, debit an account or use information for optional marketing. Those permissions require the applicable disclosures and authorization process.

Approval, amounts and terms depend on the provider's assessment and applicable rules. “Instant,” “no refusal,” “guaranteed” or similar search wording on informational pages must not be understood as a promise of acceptance.

A no-credit-check product, where available, can still require identity, income and banking checks. Acceptance of a particular benefit or pension income source is provider-specific.

An online form may remain accessible while assessment and funding operate during different hours. Same-day receipt and overnight approval are not guaranteed. Where offered, e-Transfer funding occurs under the provider's process after its requirements are met.

Charges by our business: [State accurately whether requests are free and identify any charge, its amount and when it applies.]

Compensation from providers: [Explain actual referral, lead-generation, affiliate or advertising compensation and whether it influences placement, inclusion or matching.]

Comparison coverage: [Explain which providers are considered, selection criteria and whether the service covers the whole market.]

Do not assume every available loan is displayed or that the first option is the lowest-cost offer. Any provider's borrowing charges and repayment obligations must be reviewed in its agreement.

Before accepting, confirm the issuing business, product type, amount advanced, full cost, payment calendar and repayment method. For an instalment product, review the APR, fees and total scheduled repayment.

Ask about missed-payment consequences, early repayment and any applicable cancellation rights. Website terms do not replace or limit statutory rights under provincial lending or consumer protection laws.

If funds are accepted under a provider's agreement, repayment obligations arise under that agreement and applicable law. Questions about a specific loan, transfer or collection action should be directed to the issuing provider.

Compare repayments with reliable income after housing, food, utilities, transport and existing debts. An approval decision does not replace this household check.

If repayment depends on another advance, consider alternatives such as a bill-payment arrangement or lower-cost credit. For recurring debt pressure, reputable credit counselling may help review the commitments.

For independent information, consult the FCAC payday loan guide.

General content and illustrative calculations are not personal financial or legal advice, a credit offer or a promise of product availability. Check current terms with the provider before relying on a figure or timeline.

External websites and application services have their own terms and privacy policies. Review them when leaving our website or using their services.

We aim to keep our content accurate and correct material errors brought to our attention. We cannot promise uninterrupted access or that every provider's information remains unchanged between updates. These statements do not exclude obligations imposed by law.

Do not interfere with website operation, bypass security controls, upload harmful code or collect other users' personal information without authorization.

Website content and branding belong to their respective rights holders. Content may be viewed for personal use; wider reproduction requires permission or a lawful basis. Nothing here restricts use permitted by applicable law.

Our responsibilities are those of our own service; independent providers are responsible for their lending decisions and agreements. Nothing in these terms excludes liability that cannot lawfully be excluded, waives mandatory consumer rights or prevents a complaint to a regulator.

[Insert any additional limitation clause only after legal review of the operator's activities, provinces served and consumer-law requirements.]

We update the effective date when these terms change and provide notice where required. Changes do not retrospectively alter an existing lender agreement. Material changes requiring renewed acceptance will be presented through the relevant process.

[Insert the verified operator jurisdiction and a legally reviewed governing-law provision, expressly preserving mandatory protections in the user's applicable jurisdiction. Do not add a blanket exclusive-court or arbitration clause without review.]

Contact us first about a concern involving our website or request service. For a specific lending matter, contact the issuing provider and the relevant provincial or territorial consumer authority where appropriate.

Business: [Full legal entity name]

Email: support@365dayloans.ca

Address: 135 Laurier Avenue West, Ottawa, ON, K1P 5J2, CAN

For information-access, correction or consent requests, use the contact in our Privacy Policy.