Loonie365 is not a lender
Loonie365 (loonie365.com) is a free comparison and referral service. We are not a lender, a bank, or a credit card issuer. We do not approve applications, set rates, or disburse funds.
How we make money
Loonie365 is free for borrowers and readers. We earn money in two ways: 1. Referral fees — when your application results in a funded loan or completed signup, the provider may pay us a referral fee. 2. Affiliate commissions — some links on our banking and card pages are affiliate links; if you open an account through them, we may earn a commission at no cost to you.
Rankings are never sold
Commissions never determine the order of our comparisons or which providers we show. Our rankings are decided by costs, features, terms, and user reports — never by payouts. Where a placement involves a commercial relationship, we say so.
No approval is ever guaranteed
Approval, rates, and terms are determined solely by the provider. Loonie365 does not guarantee approval.
Quebec
Payday loans are effectively unavailable in Quebec due to the province’s 35% annual interest cap. Our Quebec page explains this rather than offering loans that don’t exist.
Verification
Rates, fees, and bonuses change frequently. Every data point on Loonie365 carries a “last checked” date — currently October 2026. Always confirm current terms with the provider before applying.