Representative 89% APR

Representative Example: Borrowing: £1000 for 18 months, Total Repayable: £1853.43, Total Interest: £853.43, Interest Rate (Variable): 89.9%. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender’s requirements and approval.

Sunny Loans is a registered trading name of Upward Finance Limited, who is an introducer appointed representative of Flux Funding Limited, who is a credit broker, not a lender. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to

Money in your account

The easy short term loan eligibility process will give you a quick decision while leaving no mark on your credit score*. If approved, you could receive the loan payment today.

To be approved you must:

  • Be a UK Resident
  • Aged 18 or Over
  • Good or Bad Credit Accepted
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Small loans can be sent today#.

Soft search credit check*

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Complete our online form and do a quick search of our lenders


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If you're happy with your quote, complete with your chosen lender and receive your funds.

Why Use Sunny?

We can help you find a loan in minutes

Get the quick loan you need quickly

The easy process will give you a quick decision and if approved you can receive your funds on the same day#.

We NEVER charge any fees

Lenders don't charge any admin or application fees. Interest is charged daily and is capped at a maximum of 0.8% per day.

Save on interest if you repay early

Spread the cost of borrowing to suit your budget. Manage your account online to make extra or early repayments and pay less interest overall.

We see loan applications for all types of reasons

We've helped thousands of people just like you

We are Sunny; a brighter way to find your next short term loan. A friendly loan introducer with access to some clever technology, we help people who have been turned down by their banks and major lenders.

The loan search is super quick and saves you hours of application forms and credit checks, potentially damaging your credit record. Do in 3-mins what would take you hours, protect your credit rating and most importantly find your loan.

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Short-term loans information hub

We’ve answered some of the most common and important questions around the best short-term loans and what to ask before taking one out. Read through these before hitting apply and feel confident that you are taking on the right loan for you.

  • A ‘short-term loan’ is, as its name suggests, a loan that has a relatively short repayment period. This can range from around as little as a week to a number of months depending on the lender.

    This is considered short-term compared to traditional personal loans which usually have a repayment period of a year or longer. Sunny offers access to short-term loans that can be paid over three to thirty-six months.

  • Applying for a short-term loan will initially dent your credit rating but as long as you repay it on time and in full as agreed, then this could build your credit history and may help your credit rating to improve over time.

    It’s worth noting that if you choose Sunny, you will be able to search for a loan with something called soft search. This allows a panel of lenders to take a look at your credit report and determine your likelihood of being accepted for a loan but it does not leave a mark on your credit report.

    If you’re looking to get a short term loan, we’ve created this guide detailing why you might choose one, what they involve and why Sunny may be the best fit for you and your circumstances.

  • This depends entirely on the lender. The amount of interest you pay is also determined by how much you borrow and how long your repayment period is. Most lenders charge 0.8% interest per day, in line with FCA regulations on the cost of short-term credit.

  • A short-term loan should only be used as a solution for a problem that needs resolving fast. This could be a life emergency such as needing to make last-minute travel arrangements in the event of a family or work emergency or to pay for something in the house that needs urgently fixing. It should not be used as a long-term solution to financial needs. If you need any help with your finances, we recommend you seek impartial debt advice from a not-for-profit organisation like Stepchange the Money Helper.

  • We offer an instant decision on your application from a panel of lenders. Soft credit checks help them decide whether to offer you your loan. If your credit score is low or you have a limited credit history this can affect your chances of being accepted. Take a look at our eligibility page before making an application and read about bad credit and short-term loans in our in-depth guide here.

  • You can get a loan with bad credit, however, you will find that the amount you are able to borrow may be affected by your credit score and history. We have more information on bad credit and loans here, in our detailed guide.

  • Your credit score is a number that represents your financial history and takes into account information such as court records, electoral roll information, the number of other searches on your file, addresses you’re linked to, bank accounts, loans, mortgages, utilities and mobile phone contracts. The credit scores provided by Credit Reference Agencies are a good indicator of how a lender will view your application so it’s worth checking this before you apply. Even if some of your history is unfavourable and you have a poor credit score, short-term loans could still be an option for some borrowers.

  • Applying for a loan at Sunny is quick and easy. You apply online by providing us with details such as your name and date of birth, your address, your bank and employment details, and income and expenditure information. A panel of lenders will then carry out a credit and affordability check. These checks are in place to ensure they aren’t lending someone more than they can comfortably afford to repay. They only take a matter of minutes to complete online.