Rating based on 56 reviews

Sunny Loans

  • Short-term loans up to £2,500
  • Low-interest starting from 237%
  • Repayment up to 14 months

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Sunny Loans homepage
Author Sunny Loans. Screenshot of Sunny Loans website.
[Accessed April 6, 2020]

About Sunny Loans

A short-term loan can help you temporarily cover a cash shortage or emergency; this includes repairing your motor vehicle, paying for unexpected medical bills, or consolidating your debts.

Even with careful budgeting and planning most people and families will need to take out a quick loan to achieve their goals.

This includes buying a car, refurbishing the family home, paying for vacations or a wedding, and even covering expensive medical bills.

A helping hand when you need it most

If you work a nine-to-five job, every day of the week and, get a salary every month that merely enables you to cover only important expenses like paying your rent, paying your bills, purchasing groceries, etc, you may need a quick loan to make an expensive purchase or tide you over when things get tough.

Solutions designed to move you forward

A short-term loan is a loan that is taken out for a shorter time period and usually offers lower lending amounts. There are hundreds of financial lenders willing and happy to offer short-term loans but, far too many of these take advantage of people who are in a difficult financial situation and, make their money problems worse. In addition, every lender has different criteria for taking out a loan – some of which are merely impossible for those with bad credit, a lack of credit history or are self-employed to meet.

Our simple lending criteria

With so many financial organizations offering instant cash loans or any kind of loan for that matter, you’re faced with the dilemma of figuring out which one is right for you: which loan will suit your financial state and lifestyle. It’s important to know beforehand that as a responsible lender we have set non-negotiable criteria that all applicants must meet in order to qualify for a loan. You need to be a citizen of the UK and older than 18. You must be employed and earn a regular salary and hold a valid bank account.

Sunny Loans Services

Welcome to Sunny loans.

We offer the most affordable, adaptable, and convenient short-term finance on the UK market.

Quick, online loan application

We strive to stay ahead of our competition; offering our clients the latest and most convenient instant cash loan products. With Sunny Loans, you can complete the entire loan application online and have your money credited to your account immediately after approval. Our quick online loan applications are amongst the simplest and most up-to-date amongst the many UK financial service providers.

Regardless of why you need a short-term loan, Sunny Loans will consider your application on an individual basis and will attempt to offer you the most suitable loan amount, loan term, and repayment schedule.

Loans for people with bad credit

Unlike so many other lenders, we don't run a credit check prior to ensuring that you meet our minimum requirements. We also offer payday loans to people with poor or bad credit that cannot access mainstream credit because we understand our clients and their unique needs.

Changed your mind, No problem

We also offer customers a 5-day cooling-off period during which they can return the capital loan amount and cancel the loan agreement - with no fees and no interest. We've earned a respectable name in the financial services business, our clients recommend us to their family and friends, simply because we care and, it shows. Our staff is available to assist you with your short-term loan application, answer your questions, and make sure you're happy with us.

Sunny Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 237%
  • Loan Amount up to £2,500
  • Repayment 1 month to 14 months

Benefits of Sunny Loans

  • Easy online loans
  • Affordable interest rate
  • Fast funding

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Sunny Loans offer low interest rates on short-term loans

Sunny Loans is a registered, responsible and transparent short-term loan provider that cares about its clients and their financial health.

Our loans have fixed repayments, no hidden fees, and can be customized to suit your specific needs and budget. We offer same-day cash loans of between £100 and £2,500 which is a loan range that is not offered by any of our competitors. You can select a loan term that suits your financial position, budget, and lifestyle. We offer loan repayment terms of up to 14 months, depending on your desired loan amount.

Our short term loan features and benefits

  • Repay your loan in manageable monthly payments of up to 14 months
  • Complete the entire loan application online and save time
  • Get approved in 30 minutes or less
  • Once approved get your quick online loan deposited into your account in 10 minutes or less
  • No hidden fees, only interest
  • Daily interest rate capped at 0.8%
  • You will never pay back in interest more than you originally borrowed
  • Get advice on how to better manage your money for free

Short-term loans

Sunny Loans is a reliable UK financial services provider. Our entire loan application process can be completed online and we, unlike so many other online lenders, allow you to select a loan repayment term of up to 14 months. This means that you can take out a loan and repay it over the course of 14 months, so your loan is more manageable and easier on the budget!

Requirements for getting a Loan at Sunny Loans

To apply for a loan online with us you must be aged 18 or over, have a valid bank account from which we will debit your installments, be a UK resident and be able to provide proof of income. We suggest that you visit our website and make use of our loan calculator and all our free resources that provide you with advice and tips on how to better manage your money and become debt-free.

Customer Reviews & Testimonials

August 2019

Sunny Loans offers some of the most affordable interest rates on their loans.

Oliver K
— Bristol —

August 2019

There has never been a time where I felt like Sunny Loans failed me when it comes to loan applications.

Sam S
— Birmingham —

Sunny Loans Contact

Physical Address

  • Fortress House, Skyliner Way, Bury St. Edmunds East England IP32 7YA United Kingdom
  • Get Directions

Opening Hours

  • not available