About Sunny

A guide to what we’re all about and what makes us different.

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!

What makes Sunny different? It could be our soft search feature that doesn’t impact your credit rating when you apply for an initial decision*. Or maybe it’s the fact that we don’t charge fees and work with a market-leading panel of lenders. Perhaps it’s because the money you borrow can be transferred into your bank account in just 15 minutes# if you are accepted by one of our lenders.

All these things are what make Sunny great. We want to help you move towards a brighter future with fair and flexible loans to suit your needs. In this section, we’ve featured everything you need to know about Sunny, from how our lenders perform credit checks to how repayments work. Got a question? You’ll find the answer here.

A brighter way to find your loan

We pride ourselves on being able to offer access to fee-free loans and a completely transparent pricing structure from a market-leading panel of lenders, which means our customers can cover unexpected and emergency expenses. We don’t charge fees for applications, which means you only pay back the sum of what you originally borrowed and any interest accrued.

Perhaps you’re in need of a payday loan to cover the expense of a new boiler after your old one unexpectedly broke down, or maybe your car decided to give up on your daily commute this morning. Whatever your reason for taking out a loan, we’re here to provide that all-important lifeline.

Our service is ideal for short-term situations, so you will need to be in a position to repay the loan in a few months. Where they are not suitable is as a long-term solution to ongoing financial problems. In these situations, we would recommend you seek formal financial advice instead. There are many debt charities in the UK, such as Citizens Advice, StepChange and Money Helper who have experts who can provide support and guidance around your options.

Get in touch

To find out more about how a Sunny Loan could help you contact us via our UK based call centre on 0800 0485781 which is open from 08:30 to 19:00. You could also email us at [email protected]. Our friendly team will be more than happy to help you.

How a Sunny loan can help

Here at Sunny, our aim is to help you tackle unexpected expenses quickly, so that you can get back to the important things in life. That’s why we believe bad credit loans can be the best choice for those who need credit now, and have been turned away by their bank or other credit providers. When you choose Sunny, you also enjoy the following benefits.

Get the quick loan
you need, in minutes

Apply for a loan and receive an instant decision, even with bad credit. You could receive your cash in just 15 minutes# of approval.

We never charge fees

You don’t need to worry about those extra fees. There are absolutely no application fees or admin fees.

Save on interest if you repay early

With many of our lenders, you can pay early and save on interest. Plus, it’s easy to manage your account online to stay on top of your upcoming payments, and even pay a bit extra or early.

Fast, flexible loans from £100 - £2500

Life can catch you off guard. That's why our lenders offer quick cash
online with no fees – so no surprises.

Apply today

Representative 89% APR