Quick, flexible short term loans up to £2500
How much do you need?
Money in your account
Get a quick short-term loan decision the same day with zero impact on your credit score – our soft search technology checks your eligibility across multiple trusted short-term lenders.
Short-term loan eligibility criteria:
- UK resident aged 18 or over
- Regular monthly income (employed, self-employed, or benefits)
- UK bank account with debit card
- Bad credit considered – short-term lenders assess current affordability, not just credit history
Same day short-term loans
Once approved, quick loan funds often arrive within minutes – ideal for urgent financial needs.
Transparent loan rates
See your exact short-term loan repayments before committing – no hidden fees or charges.
How to apply for short-term loans with Sunny
Let us show you
02.
Instant loan quote
We'll display your monthly repayments, total interest, and loan term clearly – zero obligation to proceed.
Why Use Sunny for Short Term Loans?
We approve people who have been turned down elsewhere. Here's how.
Been rejected for short term loans already? You're in good company. 67% of our customers were turned down somewhere else first. The difference? Banks check one set of rules. We check multiple lenders at once – each with their own criteria. So when others say no to your quick loan, we often find someone who says yes.
Need money today, not next week? We get it. That's why we've made everything faster. 3-minute decision. 15-minute funding. Open 24/7. We handle over 7,500 applications daily, so our same day loans genuinely arrive the same day – even Sundays. No phone calls, no waiting, just quick loans when life can't wait.
Here's the best bit: we don't charge a penny. Nothing. No application fees, no broker fees, nothing to pay back early. Our lenders are just as upfront about short term loans – what you see is what you pay. FCA rules mean you're protected too: 0.8% daily interest maximum and you'll never repay more than double what you borrow. Simple as that.
Worried about your credit score? Relax. Our soft search for short term loans is invisible to other lenders. They can't see it, so it can't hurt your rating. Much better than applying everywhere and collecting rejections like stamps. One quick loan application with us beats a dozen knock-backs.
We Say "Yes" When Others Say No
7,385 Trustpilot reviews say we're Excellent. Our lenders accept benefits, self-employment, and past credit troubles. Just need £500 monthly income – no guarantor required. We find short term loans that actually work for you.
Faster Than Fast
Banks take days. Credit cards take weeks. Sunny? 15 minutes. We process 7,500+ quick loans daily. Maria from Brighton: "Money in 12 minutes – lifesaver!" That's how same day loans should work.
Properly Protected
FCA-authorised (821471). Financial Ombudsman backup. Bank-level encryption. Every lender follows strict rules on short term loans. Proper protection, no cowboys. Simple as that. Check our credentials.
We see loan applications for all types of reasons
Loans for boiler repair
Boilers seem to have a habit of going on the blink at the worst of times. How do you urgently cover the cost of a boiler repair if you don’t have the funds to hand?
Loans for plumbing
There many plumbing problems that may mean you need to call a plumber out, but finding the funds for unaccounted for repairs can be a struggle.
Loans for car repairs
Cars don’t wait for a convenient moment for something to go wrong. What do you do if you suddenly find yourself in need of cash to cover car repairs?
Loans for pet bills
Our pets love getting into mischief and while most of the time it’s something adorably harmless, sometimes their antics can lead to a pretty large vet bill.
Loans for home appliances
A washing machine that won’t drain. A cooker that refuses to turn on. Sadly, the appliances that keep our homes running do go wrong eventually.
Loans for dentistry
Many of us rarely enjoy a trip to the dentist. An unexpected treatment and the bill you’ll ultimately need to pay can cause issues for many.
Loans for phone bills
Pay monthly phone contracts are the norm these days. You enjoy an agreed amount of calls, text and data, all for a monthly fee, but what when you can't pay?
Loans for energy bills
Think carefully: Short-term loans for regular energy bills often worsen financial situations. Your supplier must offer payment plans—contact them before considering short-term finance.
Need a helping hand. We've got your back.
£300 for Paul in Crewe
£300 for Glen in Dereham
£1000 for Martin in Lincolnshire
£300 for Mark in Guildford
£300 for Anish in Essex
£200 for Michael in London
£200 for Mary in Oswestry
£300 for Michael in Stirlingshire
£400 for Jessica in Huddersfield
£1000 for Mel in Surrey
We're always bringing the good vibes over at our blog
We've helped thousands of people just like you
We’re Sunny – a brighter way to find your next short term loan. We’re a friendly broker with some clever technology, helping over 1,000,0000 customers who’ve been turned down by banks and big lenders.
Since the old Sunny went away in 2020, we built something completely different. We don’t lend money ourselves – we use smart matching to connect you with FCA-regulated lenders offering £100 to £2,500. One quick loan application, one soft credit check that won’t hurt your score, and you could have cash in 15 minutes.
With an Excellent rating on Trustpilot, we’ve earned trust the right way: no fees ever, instant decisions, and helping 67% of people who’ve been rejected elsewhere. We process 7,500 applications daily because we make short term borrowing simple, safe, and stress-free.
Short-term loans information hub
We’ve answered some of the most common and important questions around the best short-term same-day 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.
-
Short term loans let you borrow £100-£2,500 over 3-36 months for life’s unexpected moments. The big difference from old payday loans? How you pay it back. Old-style payday loans demanded everything back on payday – nightmare! Our short term loans spread the cost with manageable monthly payments. That £500 becomes £104 monthly over 6 months instead of £600 in one scary lump.
Both follow the same FCA rules now (0.8% daily interest cap, you’ll never pay back more than double), but monthly repayments make life so much easier. Get an instant decision and same-day funding when you need it most.
-
We’re a credit broker, not a lender – and that’s brilliant for you. One quick application with us searches 30+ FCA-regulated lenders simultaneously, boosting your approval odds from just 23% (going direct) to 89% (through us). We process over 7,500 applications daily, so we know exactly which lenders suit which customers.
Completely free – we never charge you a penny. Ever. We’re properly authorised by the FCA (reference 821471). Why limit yourself to one lender when we can match you with those who actually want to provide quick loans to people just like you?
-
Let’s talk real money – forget those confusing APRs. Borrow £500 for 6 months? That’s roughly £104 monthly, with total interest around £125. Dead simple. Thanks to FCA rules, you’ll never pay back more than double what you borrow – that’s the absolute maximum, even if things go pear-shaped.
We never charge fees. Nothing. Nada. No application fees, no broker fees, no sneaky charges. Representative 89% APR (rates 9.3%-1,721% APR depending on your circumstances). Warning: If anyone claiming to be Sunny asks for upfront payment, it’s a scam – hang up and report it to the FCA.
-
£100 to £2,500 – perfect for those unexpected moments. New customers usually get £100-£1,000. We specialise in small loans like £200 or £500 that won’t break the bank.
Want to pay off early? Brilliant – you’ll save money! Zero penalties, zero fees, zero fuss. You only pay interest for the days you actually have the loan. Borrow £1,000 for 12 months but clear it after 6? You’ll save around £300 in interest. Just ask your lender for a settlement figure and pay it off. It’s your right under FCA rules.
-
Bad credit? No problem – we’ve got you covered. We approve 67% of people turned down elsewhere. CCJs, defaults, missed payments – our lenders care more about whether you can afford the loan today than what went wrong in the past. 67% of our customers have credit scores below 650, so you’re in good company.
Checking won’t hurt your score – promise. We use a ‘soft search’ that’s completely invisible to other lenders. Check your rate 100 times if you want – it won’t affect your score one bit. The ‘hard check’ only happens if you accept an offer. Some people search for no credit check loans, but our soft checks actually protect you better.
-
Most UK adults can apply – it’s pretty straightforward. You need to be 18+, live in the UK, have a UK bank account with a debit card, and earn at least £500 monthly (work, self-employment, benefits, or pension – we accept them all). Sorry, but we can’t help if you’re currently bankrupt or in an IVA.
Not sure if you qualify? Try our eligibility checker – it won’t affect your score.
-
Lightning fast – usually within 15 minutes! Once approved, 83% of customers have cash in their account within 15 minutes. Almost everyone gets their same day loans on the, well, same day – even if you apply at teatime. For the speediest cash loans, apply before 3pm on weekdays.
Weekend same day loans? Some lenders pay out 24/7, others wait until Monday. Need it urgently? Check our 24-hour funding guide for the fastest options.
-
Please don’t borrow more to pay debts. There’s brilliant free help available:
• StepChange: 0800 138 1111 – stepchange.org
• Citizens Advice: 0800 144 8848 – citizensadvice.org.uk
• MoneyHelper: 0800 138 7777 – moneyhelper.org.ukTry these alternatives first: Council emergency grants (you don’t pay back!), wage advances from work, credit unions (12.7% APR – much cheaper), payment plans for bills, or Turn2us charitable grants. Only consider quick loans if you genuinely need them and can afford the repayments.
-
Life happens – don’t panic. If you’re going to miss a payment, contact your lender straight away. They have to help by law – offering payment holidays, reduced amounts, or extra time. The maximum late fee is just £15 total (not per payment). Never hide from money problems – there’s always a solution.
Something gone wrong? First, complain to your lender – they have 8 weeks to fix it. Still not happy? The Financial Ombudsman (0800 023 4567) will help for free. Problems with Sunny? Check our complaints process – we aim to sort things within 3 days.
-
We’re the real deal. FCA-registered (821471) – check us out at register.fca.org.uk. With 7,385 Trustpilot reviews and over a million happy customers since 2020, we’ve earned our stripes. Zero data breaches in 2.5 million applications – your info is safe as houses.
You’re protected: Bank-level encryption, full GDPR compliance, we never sell your data. FCA rules guarantee: 0.8% daily interest cap, £15 max default fee, never pay back more than double, 14-day cooling-off period, free early repayment. Scam alert: Real lenders NEVER ask for fees upfront. If in doubt, report to Action Fraud.
-
Super simple! You’ll see your matches within 60 seconds. Pick the best offer for you (zero pressure to accept anything). Your chosen lender will contact you to dot the i’s and cross the t’s. Sign your agreement online, get your money – often the same day. Everything’s transparent – no nasty surprises, no hidden catches.
Ready to see your options? Start your quick loan application now – takes just 3 minutes.
-
If you’re having thoughts of self-harm, please call Samaritans free on 116 123. They’re there 24/7 and want to help.
Loan Types
Privacy & Terms
About Sunny
Speedy payment
Small loans can be sent today.
No obligation quote
Instant quote with a soft search and no fees.
1000's of people helped
Over 7500+ no-obligation quotes processed daily!