Sunny Now loans come in all shapes and sizes. You can apply for between £100 and £2500 over a variety of rates
and terms. You are welcome to apply for a loan of any amount, but your approval will be dependent on
credit and affordability checks. If you are not approved for the amount you originally applied for,
we may be able to offer you a smaller loan instead.
To be eligible to apply for a Sunny loan, you must be at least
18 years old, a UK resident and have a UK bank account and debit card. You must also have a net income
of at least £500 per month, and have a mobile phone. Get your application started by clicking
here to be taken to our application form.
Unfortunately not. Each application we receive is assessed on an individual
basis taking a number of factors into account. We are therefore unable to offer an indication of whether
or not your application would be accepted before you submit it. Please remember, if you apply, this will
leave a footprint on your credit file.
Yes. As part of our commitment to responsible lending, we carry out credit
and affordability checks on all applications submitted to us. This assists with fraud prevention and
also ensures we only approve applications from people who we believe will be able to repay what they
borrow. You can learn more about credit checks and how we use the information provided to us by Credit
Reference Agencies (CRAs) by visiting the Your data section of our website.
We'll need your employer details, bank and debit card details (including sort
code and account number), as well as three years of address history. We also need details of your income
and expenditure, including any current financial obligations, to ensure our loans are affordable for
We ask for both your bank and debit card details as we use the information
differently. We will deposit funds for successful applicants into your bank account, and we use your
debit card to collect your repayments on your due dates.
Yes. As an existing Sunny customer, you can have up to
four loans at the
same time. You can check your eligibility and apply through your My Account area. We've made the process
as quick and easy as possible by pre-populating the information you've already given us, so you won't
need to go through a full application again. Please remember, all loan applications are subject to
credit and affordability checks.
In the vast majority of cases, we will be able to complete your application
online without the need for paperwork. However, there are some occasions where we may ask you to send us
some further information to help us complete our checks. We will contact you by email if this happens to
let you know what we need, and provide you instructions on how to upload the documents we require
through your My Account area.
Once your application has been approved, we will normally send the money to
you within 15 minutes. Most banks will credit your account within an hour, but your bank should be able
to advise you more precisely as to when it will credit your account.
Yes, you can. At Sunny, we process applications 24 hours a day, 7 days a
week, including bank holidays. So whenever your application is approved, we will transfer cash to your
bank account within 15 minutes.
If we do require additional documents to help with your application, this may
increase the time it takes for your application to be approved
If you haven't received a verification code from us by text message, please
log in to your online account by clicking here. You should be able to see
all the personal details you entered on your application – please check that your mobile number is
If it is correct, then you can click the help icon to re-send your
verification code to your mobile. If it is not correct, or if you still do not receive the verification
code, then please contact our Customer Support Team on
0800 7315 444 or email@example.com for assistance.
We aim to check documents that are submitted to us as quickly as possible
during opening hours and will email or text you to update you on your application as soon as we can, as
well as updating the status of your application in your My Account area. Please click here to log in to your account to check the status of your application, or
contact our Customer Support Team on
0800 7315 444 or firstname.lastname@example.org
Yes, you are free to change your mind at any point during the application
process and we will stop your application . If you change your mind about your Sunny loan during the
first 5 days after you sign your agreement with us, we won't charge you any interest if you repay the
loan in full, within 5 days. You must inform us you've changed your mind. You can do this by calling us
on 0800 7315 444 or by emailing email@example.com.
This is in addition to the statutory 14 day cooling off period. If you change
your mind after the 5 days and before the end of 14 days from making your agreement with us, any
interest applicable, together with the funds in your bank account, will need to be repaid within 30 days
of the date you inform us that you wish to close your account.
While we may have declined your application for a Sunny loan on this
occasion, we understand that your circumstances may change in the future. We assess all applications on
an individual basis, so if your financial position changes you are able to apply again. Please remember
that each application you make will leave a footprint on your credit file and will be subject to credit
and affordability checks
If you've forgotten your password, click here . You will be asked to enter your email address so we
can identify you and reset your password. We will then send a new password to the mobile number
registered to your account.
Within your My Account area, you'll have access to information on all your
Sunny loans, including payment amounts and dates, outstanding balances, and your statements. You can
also view and download all your loan agreement documents.
You can update some of your information, such as your email address or
password, by logging in to your My Account area. If you need to change any other details, such as your
address, you'll need to contact our Customer Support Team on 0800 7315 444 or firstname.lastname@example.org
Your repayments are collected via Continuous Payment Authority, commonly
referred to as a CPA. This simply means that unless you tell us otherwise, we'll collect your repayments
on your due date from your debit card, as set out in the terms of your agreement with us.
You can cancel this CPA at any time either by contacting your bank directly,
or by contacting us in writing, by email or by calling us on 0800 7315 444. If you do cancel CPA, you
will still owe us your outstanding balance and you'll need to make your repayments by an alternative
method, such as using the payment feature in your My Account area, or by bank transfer, on or before
each due date.
Our Customer Support Team will be able to give you all the options and
details on how to pay us, and we'll continue to send you payment reminders before each due date to help
you keep track of your payments.
Yes. If you want to pay your loan back more quickly, simply log in to your
online account and check your payment schedule options. You can choose to pay more each month to reduce
the time it takes to repay your loan, saving you money on interest.
Yes. If you want to make an extra payment against an individual loan, simply
log in to your online account and select which loan you wish to make a payment towards. You can pay
either using the debit card we hold details for on file, or an alternative card. Any additional payments
you make will mean you save money on the total interest repayable on your loan.
It may take up to an hour for our system to reflect that your payment has
been received and to update your loan balance. You will get an email to let you know when we've
successfully received your payment.
If you experience or anticipate problems in making your payments on time,
please contact our Customer Support Team straight away either by calling 0800 7315 432 or by emailing email@example.com.
At Sunny, we don't charge you any late fees if you can't make your payments on time, and
we'll do everything we can to help you get back on track, including providing details of how to get
free, independent advice on your situation.
UK based customer support
We're currently open
08:30 to 19:00
Our customer services team is on hand to deal with any queries
in our UK call centre.
You can also access your
24 hours a day via
desktop, mobile or tablet.
If you are unhappy with any aspect of our
service, we would like you to get in touch by writing to us
Elevate Credit International Limited,
Bury St Edmunds,
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.
Monday to Friday – 8am to 8pm
Saturday – 9am to 1pm
0800 0234 567 calls to this number
are free on mobile phones and landlines.
0300 1239 123 calls to this number
cost no more than calls to 01 and 02 numbers.
The Financial Ombudsman Service
London E14 9SR