Getting Started

  • To be eligible to apply for a loan through Sunny, 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 by a panel of lenders taking a number of factors into account. We are therefore unable to offer any indication of whether or not your application would be accepted before you submit it. The good news is that the lenders all use soft search technology, so you can apply without damaging your credit score.

  • Yes. As part of their commitment to responsible lending, lenders carry out credit and affordability checks on all applications submitted to us. This assists with fraud prevention and also ensures they only approve applications from people who they believe will be able to repay what they borrow. You can learn more about credit checks and how lenders use the information provided by Credit Reference Agencies (CRAs) by visiting the Your data section of our website.

Applying for a Sunny Loan

  • All applications for a loan through Sunny have to be received through our website, where we have made the application process quick and easy to follow. Apply here.

  • Lenders need your employer details, bank and debit card details (including sort code and account number), as well as three years of address history. They also need details of your income and expenditure, including any current financial obligations, to ensure your loan is affordable for you.

  • Lenders ask for your bank details, however, if you are provisionally accepted by a lender, they will ask for your debit card details. Lenders will deposit funds for successful applicants into your bank account and will use your debit card to collect your repayments on your due dates.

  • In the vast majority of cases, your lender will be able to complete your application online without the need for paperwork. However, there are some occasions where they may ask you to send some further information to help them complete their checks. They will contact you by email if this happens to let you know what they need, and provide you instructions on how to upload the documents they require.

  • Lenders will transfer the funds to your current account.

  • Once your application has been approved, lenders will normally send the money on the same day. 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, in most circumstances. At Sunny, we process applications 24 hours a day, 7 days a week, including bank holidays. So whenever your application is approved, your lender will usually transfer cash to your bank quickly. If they do require additional documents to help with your application, this may increase the time it takes for your application to be approved. Some lenders may only transfer funds during working days, which are Monday to Friday.

Help with your application

Fast, flexible loans from £100 - £2500

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

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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