Sunny loans

Fast, flexible loans from £100 - £2500

Tame that 'bear' with some quick, emergency cash. No fees. No surprises.

Rated 'Excellent' 9/10 Trustpilot star rating Sunny Trustpilot rating

Short term loans comparison at

Why choose Sunny loans

Fast loans

Get the quick loan
you need, in minutes

Our easy process will give you a quick decision and if approved you'll receive the cash loan within 15 minutes.

Fast loans

We never
charge fees

No loan application fees, no admin fees, and no late payment fees. Interest is charged daily and is capped at a maximum of 0.8% per day.

Fast loans

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.

5 days to change
your mind

Call us to return the loan and you won't
pay a penny in interest *

  • stars

    Great service a lot better than any…

    Great service a lot better than any others out there

    Lauren Quinn
    Published 19 hours ago

Our pricing

A Sunny loan can range from £100 – £2500. The interest rate and repayment term of your loan will vary depending on the amount borrowed.

Monthly Rate
24 %

Based on a 30 day month

Loan Term
6 Months

The loan term is fixed but you can repay early at any time

Representative example
£100 for 6 months
Interest rate
292% pa (fixed)
6 repayments of
Total amount repayable
1281% APR
Max APR   %

UK based customer support

If you have a question,we recommend that you first have a look at our list of Frequently asked questions.
If you are unable to find what you are looking for contact our
UK based customer support team.
0800 7315 444 We're currently closed
Mon - Fri: 08:30 - 19:00
Sat & Sun: 09:00 - 16:00
Email address Twitter @SunnyHelp

If you are unhappy with any aspect of our service, we would like you to get in touch:

By email:

In writing:

Customer Relations
Elevate Credit International Limited,
Blenheim House,
Newmarket Road,
Bury St Edmunds,
IP33 3SB

By telephone: 0800 7315 444

Mon - Fri: 08:30 - 19:00
Sat & Sun: 09:00 - 16:00

We will do our best to resolve your concerns by the end of the third business day after receiving your complaint. If we are unable to resolve your concerns we will issue a written acknowledgement within five working days and our written final response within eight weeks of receiving your complaint. Full contact details for the Ombudsman are displayed below.

Our final response will explain that you have ultimate recourse to the Financial Ombudsman Service. We will enclose their standard explanatory leaflet should you wish to escalate your complaint to them. You should do this within six months of the date of our final response or they may not consider your complaint after this time.

If you are considering making a complaint to us via a third party, such as a Claims Management Company (CMC) or law firm, you should be aware that most of these firms will charge a fee which will reduce the amount of any redress that you may be due. By contrast, you can contact us directly, free of charge. Your complaint will be reviewed by us and/or the Financial Ombudsman's Service using the same process and we will investigate your complaint fully, whether or not any third party or claims management company is involved. You will also receive 100% of any redress you may be due. If you wish to know more about whether to use a CMC, please see this note.

Monday to Friday – 8am to 8pm

Saturday – 9am to 1pm

0800 023 4 567 calls to this number are free on mobile phones and landlines.

0300 123 9 123 calls to this number cost no more than calls to 01 and 02 numbers.

If you wish to do so, you can raise a complaint online via the European Online Dispute Resolution platform. Complaints raised via this platform will be transmitted to the Financial Ombudsman Service, who will handle the complaint.

Postal address
The Financial Ombudsman Service
Exchange Tower
London E14 9SR



Firm name: Elevate Credit International Limited
Period covered in this report: 1 July 2018 - 31 December 2018
Brands/trading names covered: Sunny

Number of complaints
Number of complaints opened 15701
Number of complaints closed 17590
Percentage closed within 3 days 0.76%
Percentage closed after 3 days but within 8 weeks 98.72%
Percentage upheld 12.5%