Frequently Asked Questions

img description Applying

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  • How do I apply?

    ThreeSixty Financial makes the application process easy, so you can get multiple options for a personal loan or a business loan. We partner with several loan providers, and the application process is free. Click on the get started button to begin the process...simple!

    Click on the get started button to begin the process...simple!

  • Is the application process difficult?

    Difficult? No. Our system is designed to make the process simple. When you hear the word loan, you shouldn’t think headache. Whether the money you need is for something simple like debt consolidation or the first step in achieving your dreams in business, ThreeSixty Financial is here to make the process easy for you.

    Get on the path. To the easiest loan. Period.

  • How long do I have to be in business to qualify for a business loan?

    o In order to qualify for a business loan, the minimum time a business must be in operation is six months. In addition, minimum gross annual sales should be $100,000 plus. Many times, a personal loan might be an answer when a business loan is not - and there are many different types of financing we can connect you to for your business.

img description About Your Loan

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  • Is my personal credit going to play a factor?

    Personal credit is not the only factor when applying for a loan. Many of our partners streamline this process taking into account a complete portfolio of different factors that help decision an approval. We'll help you get the loan you need, so you can get funded, make timely payments and improve your overall credit rating.

  • How long does the funding process take?

    We aim to have funds in your account in less than 24 hours after approval.

    How long the actual process actually takes, depends a lot on your ability to provide accurate information to help our partners fit you to a funding. Please expect this process to take 2-3 business days to complete.

  • Are you a direct lender?

    No, ThreeSixty Financial is not a direct lender or a bank, nor do we issue loans. We are a bridge to our nation’s top loan providers. Our unique process takes you there to get the best loan options in minutes. We've done our homework to create a roster of best in class companies that we’re proud to partner with. They in turn look at you for who you are – meaning more than just a simple score.

  • Do you have direct relationships with lenders?

    Yes, we partner with the nation’s top loan providers, which in turn allow us to find the best loan options and customer experience for our valued customers.

  • What can I use the money for?

    Funds can be used for any business or personal need. Whether you are looking to expand your business, purchase additional inventory, remodel your home or pay off medical expenses ThreeSixty Financial has a solution for you.

  • How and when do I receive my money?

    Once your loan application has been approved, your loan proceeds will be electronically deposited to the banking account provided within 2-3 business days.

img description Miscellaneous

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  • What is ThreeSixty Financial?

    At ThreeSixty Financial, we believe there’s a loan for every situation – whether it’s personal or business. And it’s our job to find it for you, fast and without hassle. Because your time is valuable.

    Our company leadership has decades of experience in the financial and technology industries, bringing innovation and ideas from both to accommodate your complete lending needs in the form of ThreeSixty Financial.

  • Do you offer loans outside the United States?

    No, we believe in the American dream and are passionate in providing loans to business owners and consumers across the continental United States.

  • How secure is my information?

    We use the same 256-bit encryption that banks and physical security use. That means your information is perfectly safeguarded. Nobody’s getting in. Nobody’s getting anything out. Your information’s safe with us.

    Our partners will all use different types of security, but rest assured, vetting them for security is step one for our process.

  • Is there a penalty to pay my loan off early?

    Your success is our reason for being. That’s why our partner network doesn’t charge fees on individuals or businesses that pay off their loans early.