£200 loans information hub

If you’re looking to borrow £200, a Sunny loan can help. But before you hit apply now, read through some common questions that we’ve answered around this relatively small loan amount to help you better understand whether it’s the right choice for you and your circumstances.

  • This type of borrowing should be reserved for emergencies, when you need a small amount of money to cover an unexpected cost before payday. It ensures you have the funds in the bank to pay for your necessary expenses, as well as the surprise cost. 

  • This small loan amount is ideal for an unexpected bill or repair cost that may occur just before payday. At Sunny, we can have this money transferred into your account in as little as 15 minutes, if you are approved, so you can clear those expenses quickly and get back to normal. 

  • You need to carefully consider whether you will have the money to make the required repayments over a certain time period. We want our customers to enjoy the benefits a small loan before payday can offer without worry, so be sure you can afford the repayments before applying. 

  • With every application we receive, we carefully check the credit history and score of the applicant. At Sunny, we can offer loans to people with bad credit but it’s worth noting that your credit score directly impacts whether we offer you a loan or not. The interest rate you pay depends on how much you want to borrow and the repayment period you select. On some loans, if you have a poor credit history, this may affect your ability to borrow the amount you want.

More information on borrowing £200

Whether the boiler has given up or the car isn’t starting, no matter how well you budget sometimes your money simply doesn’t stretch between paydays. This is when a £200 loan can help, to cover those unexpected costs if you don’t have enough disposable cash at the end of the month. Our loans all work the same way, no matter whether you’re borrowing £200 or £1,000.

You can apply online and receive a quick decision with Sunny – ideal if the money is needed in an emergency situation.

These loans are intended to help you cover short-term, one-off needs for money and shouldn’t be used to pay for longer-term financial issues. We recommend you seek free and impartial debt advice if you need help with your finances.

£200 Loan example

Here, we’ve created a calculator detailing examples of a £200 loan from Sunny and what you would pay back, including interest, over a certain repayment period. It’s a great tool to help you decide if one of these loans is a good idea and a manageable expense for you. Take a look below.

Monthly rate
Based on a
30 day month
Loan term
The loan term is fixed but you can repay early at any time
The loan term is fixed but you can repay early at any time
Representative example
£ for months
%pa (fixed)

How a £200 loan from Sunny can help

At Sunny, we know how stressful it can be trying to find the funds to cover an unexpected cost. That’s why we offer small loans with no fees and carefully check every application to ensure you can make your payments.

  • Our loans are speedy, once you’ve been approved you could have the £200 you need in your bank in 15 minutes.

  • We don’t charge any fees. That means you don’t need to worry about any upfront costs, such as admin or application fees, and we don’t charge fees on late or early repayments, either.

  • We put you in control. You can pay early and save money on interest. Plus, we let you manage your loan online so you can see clearly what’s left to pay and when.

What Sunny customers think

Our customers love what we do, as we help them get back on track after a financial mishap with no fuss. Before you make your decision when it comes to which loan provider you choose for your £200 loan, take a look at our testimonials below and check out our Trustpilot score**.

Looking for alternative lending options?

We offer loans that can help in a range of situations here at Sunny. Find out more about the reasons behind taking on a loan in our in-depth guides and find the right solution for you.