24 Hour Loans

We’re a credit broker, which means we search our network of trusted lenders to find you the best match. Over 1 million customers have used Sunny since 2022, and with a 4.5 out of 5 star rating on Trustpilot from 7,385 reviews, we’ve built our reputation on being genuinely transparent about what we do. We process over 7,500 quotes daily, helping people secure within-day funding when every hour counts.

Unlike some services that just keep applications open around the clock, we offer true 24 hour loans with active processing, decisions, and transfers any time, day or night. Apply on Sunday evening, get approved Monday morning, receive funds by lunchtime. Apply on a bank holiday, still get processed. When unexpected costs arrive at inconvenient moments, our network of lenders works on your timeline, not just business hours.

See if you match

Why choose Sunny:

• Soft credit check only – won’t affect your score
• No fees from Sunny
• Compare offers before you commit
• 15-minute funding if approved

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

What Are 24 Hour Loans?

24 hour loans are short-term loans designed to get money into your account within a single day, often in as little as 15 minutes after approval. The name reflects both the speed of funding and the round-the-clock availability of the application and processing system.

These loans work for people facing time-sensitive situations where waiting several days simply isn’t an option. A broken boiler in January, a car breakdown when you need to get to work, an urgent vet bill, a last-minute travel emergency. Traditional lenders typically take 3-5 working days to process applications and transfer funds. With genuine 24 hour loans, you can apply at 10pm on Saturday and potentially have money by Sunday morning.

Through Sunny, you can borrow £100 to £2,500 with flexible repayment terms from 3 to 36 months. You’re not locked into expensive single-payment structures. A £500 emergency today doesn’t have to mean sacrificing your entire next payday. Spread the cost over six months at £98 monthly, or twelve months at £57 monthly. The choice matches your circumstances, not a rigid lending model.

The key difference between genuine 24 hour loans and standard online loans is the commitment to within-day processing. Some lenders advertise fast loans but only process during business hours. If you apply Friday evening, you wait until Monday. Our network of lenders processes applications continuously, making true same-day funding realistic even on weekends and bank holidays.

If you’re exploring options for urgent funding, you might also consider emergency loans that specifically target crisis situations with specialist lenders who understand time-sensitive needs.

How 24 Hour Loans Work

The process for getting 24 hour loans through Sunny takes minutes to start and can be complete within hours:

1. Apply online in minutes: Our application form asks for basic information about you, your income, and what you need to borrow. It takes most people under three minutes to complete. You can apply any time, including 2am on Christmas Day if needed.

2. We search lenders instantly: As soon as you submit your application, our system searches our network of FCA-authorised lenders. This happens in seconds, not hours. We’re looking for lenders whose criteria match your circumstances.

3. See your matches with a soft credit check: You’ll see which lenders are likely to approve you, all based on a soft credit search that won’t affect your credit score. Only you can see this search on your credit file. Other lenders won’t see it. It leaves no mark. This is fundamentally different from applying directly to multiple lenders and getting rejected, which does damage your credit score with each application.

4. Compare and choose: If you’re matched with multiple lenders, you can compare their offers. Look at the monthly payment amount, the total you’ll repay, and the loan term. Choose what works for your budget and timeline.

5. Complete your application: Once you choose a lender, you’ll complete their full application. This is when they’ll do a full credit check, verify your income, and make their final decision. Most lenders give you a decision within minutes.

6. Receive your funds: If approved, most lenders transfer money within 15 minutes to a few hours. If your bank accepts Faster Payments (most UK banks do), you could see the money arrive in real-time. Some applications submitted late at night might be funded first thing in the morning, but the key commitment is within-day service, not multi-day waiting.

The entire journey from starting your application to having money in your account can happen in under an hour during peak times, or within several hours during overnight periods. This is genuinely fast compared to traditional lending, where you might wait 3-5 business days.

For those who need money extremely quickly but want slightly longer to repay than a traditional payday structure, a 6 month loan offers the same rapid processing with more affordable monthly payments.

How Much Do 24 Hour Loans Cost?

The cost of 24 hour loans varies based on how much you borrow, how long you take to repay, and your personal circumstances. All our partner lenders display their costs clearly before you commit, with no hidden fees or surprise charges.

Representative APR: 89% – This is the rate at least 51% of successful applicants receive, giving you a realistic benchmark for comparison. Your actual rate might be higher or lower depending on your credit history, income, and the lender you’re matched with.

APR range across our lenders: 9.3% to 1,721% – This wide range reflects different lender policies and customer circumstances. Customers with stronger credit histories typically qualify for rates at the lower end. Those with more challenging credit situations might see rates toward the higher end. The lender will always show you your specific rate before you accept anything.

Representative example: If you borrow £1,000 over 18 months, you’d typically pay:

• Monthly payment: £102.42
• Total amount repayable: £1,843.60
• Total interest charged: £843.60
• Interest rate: 89% per year (fixed)

This example shows 24 hour loans cost more than traditional bank loans, which makes sense given the speed, convenience, and risk lenders accept when lending to customers who might not qualify elsewhere. Banks might offer 3-4% APR, but they also reject 70-80% of applications and take a week to process approvals. You’re paying for immediate access and broader acceptance criteria.

For a smaller amount over a shorter period, borrowing £500 over 3 months might cost approximately £195 per month, with a total repayment of around £585. The monthly payment is higher because you’re condensing repayment into a shorter timeframe, but the total interest paid is lower because the loan exists for less time.

Ways to reduce the total cost of your 24 hour loan:

• Borrow only what you actually need: If you need £400, don’t borrow £600 just because it’s available. Every extra pound borrowed costs you interest.
• Choose the shortest term you can afford: A 6-month loan costs less in total interest than a 12-month loan, though monthly payments will be higher. Balance affordability against total cost.
• Pay off early if possible: All lenders in our network allow early repayment with no penalties. If you receive unexpected money, paying off the loan early stops interest accumulating.
• Use it for genuine emergencies: 24 hour loans work best for unexpected, necessary costs like broken appliances or urgent repairs. They’re not ideal for discretionary spending or purchases that could wait.

If you’re weighing whether the cost justifies the speed, consider that the alternative to a 24 hour loan might be overdraft fees, missed bill penalties, or not being able to get to work. Sometimes paying interest is the most economical option when you factor in the consequences of not having access to money right now.

Who Can Apply for 24 Hour Loans?

Eligibility for 24 hour loans through Sunny’s network of lenders requires meeting several basic criteria. These are industry-standard requirements designed to ensure responsible lending and protect both you and the lender:

Age requirement: You must be at least 18 years old. This is a legal requirement across all UK lending.

UK residency: You need to be a UK resident with a permanent UK address and at least three years of address history. Lenders verify this through credit reference agencies.

Regular income: You’ll need a minimum of £500 net monthly income. This can come from employment, self-employment, or in some cases, regular benefits. Lenders need to see you have consistent money coming in to afford repayments. You don’t need a perfect employment history, but you do need provable, regular income right now.

UK bank account: All our partner lenders require a UK bank account with a valid debit card. This is where they’ll send your loan and where they’ll collect repayments. The account should be in your name and have been active for at least three months.

Credit history considerations: Here’s where 24 hour loans differ from traditional lending. You don’t need perfect credit. Our lender network specialises in helping customers who’ve been turned down by high street banks. Past credit issues, CCJs, defaults, or even previous payday loans don’t automatically disqualify you. Lenders focus more on your current ability to afford repayments than your past financial history.

That said, there are some situations where lenders typically can’t help. If you’re currently in an active IVA (Individual Voluntary Arrangement), going through bankruptcy, or have recently entered a debt management plan, most lenders in our network won’t be able to approve you right now. This isn’t about being difficult – it’s about responsible lending. Taking on new debt while managing existing debt arrangements usually makes things worse, not better.

Affordability assessment: Even if you meet all the basic criteria, lenders will still check whether you can actually afford the loan repayments without causing financial difficulty. They’ll look at your income, your existing monthly commitments (rent, other loans, bills), and calculate whether there’s genuinely room in your budget for this new repayment. This is a good thing. It protects you from borrowing more than you can realistically manage.

If you’re concerned about your credit history but need fast funding, you might also explore bad credit loans where lenders specifically work with customers who have imperfect credit scores and focus primarily on current affordability rather than past mistakes.

Why Use a Broker Like Sunny for 24 Hour Loans?

When you need money within hours, you might wonder whether using a broker adds unnecessary steps. Actually, working with a broker like Sunny often gets you approved faster and with better terms than applying directly to individual lenders. Here’s why:

One application reaches multiple lenders: Rather than filling out five separate applications across five different lender websites, you complete one application with us. We then present your details to our entire network of lenders simultaneously. This saves you time and significantly increases your approval chances.

Soft credit check protects your score: When you apply directly to a lender, they do a hard credit check immediately. If they reject you, that hard search stays on your credit file for 12 months and slightly damages your score. Apply to three lenders directly and get rejected by all three, and you’ve now got three hard searches and a worse credit score, making it even harder to get approved elsewhere. With Sunny, we use a soft credit check first, which is invisible to other lenders and has zero impact on your credit score. We only proceed to a hard check when you’ve chosen a lender who’s likely to approve you.

We match you with the right lender: Different lenders have different criteria, different specialties, and different approaches to credit decisions. One lender might reject you while another enthusiastically approves you, even though your circumstances haven’t changed. We know which lenders work best for which customer profiles. Our system matches you with lenders where you have the highest probability of approval, saving you from wasting time with lenders who aren’t a good fit.

No fees from Sunny, ever: You might assume broker services cost money. With Sunny, they don’t. We never charge customers any fees for using our service. No application fees, no broker fees, no arrangement fees, no hidden charges. We’re paid a commission by lenders when you successfully take out a loan, which means we only earn money when we successfully help you. You pay exactly the same as you would applying directly to the lender, except you get the benefit of our soft credit check system and wider lender access.

FCA protection across all lenders: Every lender in our network is authorised and regulated by the Financial Conduct Authority. That means they all follow strict rules about responsible lending, clear pricing, fair treatment, and transparent terms. When you work with Sunny, you’re not just getting one FCA-authorised lender, you’re getting access to an entire network of them, all held to the same regulatory standards.

Speed doesn’t sacrifice thoroughness: Some people worry that broker systems add delays. The opposite is true. Because our technology connects directly with multiple lenders simultaneously, you often get matched and approved faster than you would going direct. Lenders also prioritise broker applications because they know we’ve pre-screened customers, meaning higher approval rates and less wasted time on applications unlikely to succeed.

Ongoing support: If you have questions during the process, need help understanding an offer, or want guidance on which option makes most sense for your situation, we’re here. Direct lenders focus on their own products. Brokers help you understand the full landscape and make informed decisions.

Think of Sunny as a knowledgeable friend who knows the lending market inside out and uses that knowledge to help you find the best option for your circumstances. We’re on your side, not the lender’s side, because our reputation depends on genuinely helping customers succeed.

If you’re exploring 24 hour loans specifically because of bad credit concerns, working with a broker becomes even more valuable. We know which lenders in our network are most likely to approve customers with challenging credit histories, saving you from the disappointment and credit score damage of multiple rejected direct applications.

Check your eligibility now

What makes us different:

• 1M+ customers trust us
• 4.5/5 stars on Trustpilot
• 7,500+ daily quotes processed
• FCA-authorised and regulated
• No fees from Sunny – ever
• Soft credit check only – won’t affect your score

True 24/7 Processing Makes the Difference

Many loan services advertise availability around the clock, but availability doesn’t equal processing. Their application form stays online 24 hours a day, but actual humans only work 9am to 5pm Monday to Friday. Apply Saturday morning, and your application sits in a queue until Monday. Apply Wednesday at 6pm, and it’s processed Thursday morning. That’s not a 24 hour loan, that’s a loan with a 24 hour application form.

Genuine 24 hour loans require active processing, decision-making, and funding capability at all hours. Our network of lenders employs systems and teams that work continuously. Applications submitted at midnight get processed at midnight. Applications submitted on Sunday get processed on Sunday. Applications submitted on Christmas Day get processed on Christmas Day.

This matters because emergencies don’t respect business hours. Your car doesn’t break down between 9am and 5pm Monday to Friday. Your boiler doesn’t wait for working hours to fail. Medical emergencies, urgent travel needs, and unexpected crises occur whenever they occur, and waiting 12-72 hours for business hours to resume can transform a manageable problem into a disaster.

The technology enabling true 24/7 processing includes automated creditworthiness assessment systems, instant bank verification tools, and Faster Payments infrastructure that transfers money in real-time. When you’re approved at 2am, the money can arrive in your account at 2:15am if your bank supports instant transfers. Most major UK banks do.

Even lenders who can’t fund instantly overnight will typically have your money arriving by morning. Apply Thursday at 11pm, get approved within minutes, receive funds Friday at 7am. That’s still within 24 hours, which is the commitment. The name isn’t a marketing exaggeration. It’s a genuine description of how the service works.

For customers who value this round-the-clock availability but want extremely rapid decisions even during business hours, instant loans focus specifically on immediate approval decisions with funding following within minutes rather than hours.

What to Consider Before Applying for 24 Hour Loans

Speed is valuable, but it shouldn’t override careful thinking. Before applying for any loan, including 24 hour loans, consider whether borrowing is the right choice and whether you can manage repayments without causing new problems.

Is this actually an emergency? 24 hour loans work brilliantly for genuine unexpected costs that can’t wait. Broken boilers in winter, car repairs when you need your car for work, urgent medical expenses, emergency travel. They work less well for planned purchases, discretionary spending, or situations where you could wait a week or two to save the money instead. If you can wait, waiting costs nothing. Borrowing always costs something.

Can you afford the repayments? Lenders will check affordability, but you should too. Look at your monthly income after tax. Subtract all your essential costs like rent, bills, food, travel, and existing loan repayments. What’s left is your genuinely disposable income. The loan repayment needs to fit comfortably within that disposable income, with room for unexpected costs. If the numbers are tight, consider borrowing less or choosing a longer term to reduce monthly payments.

Have you explored alternatives? Before taking a loan, consider whether other options might work better. Could you ask family for help? Could you sell something you don’t need? Could you negotiate a payment plan with whoever you owe money to? Could you access an interest-free overdraft from your bank? Sometimes these alternatives work better than borrowing. Sometimes they don’t. The key is to consciously consider them rather than defaulting straight to a loan.

Are you borrowing to repay other borrowing? Using one loan to pay off another loan rarely solves the underlying problem. It usually just shifts debt around whilst adding new fees and interest charges. If you’re juggling multiple debts and struggling to keep up with repayments, you need debt advice, not another loan. Organisations like StepChange and Citizens Advice offer free, confidential debt help with no judgment. They can often negotiate with lenders on your behalf, arrange payment plans, or help you access debt relief options you didn’t know existed.

Do you understand the total cost? The monthly payment might seem manageable, but multiply it by the number of months to see the total amount you’ll repay. A £500 loan might cost £585 total over 3 months, meaning you’re paying £85 in interest. Is that worth it for 3 months of borrowing? In an emergency, probably yes. For something non-urgent, perhaps not. Make the decision with your eyes open to the full cost.

What happens if your circumstances change? Life is unpredictable. What if you lose your job? What if you get ill? What if another emergency happens before you’ve finished paying this loan? Most lenders offer some flexibility if you contact them early when problems arise. They can sometimes arrange payment holidays, reduced payments, or term extensions. But prevention is better than cure. Only borrow amounts you can afford even if things get slightly worse, not amounts you can only afford if everything goes perfectly.

None of this is meant to scare you off borrowing if you genuinely need it. 24 hour loans serve a valuable purpose for people facing urgent costs. The point is to borrow thoughtfully rather than impulsively, even when you’re in a hurry. Taking 10 extra minutes to think things through can save you months of financial stress later.

How Sunny Protects You

Borrowing money requires trust. You’re sharing personal financial information and committing to repayments, so you need confidence that the system is safe, fair, and transparent. Here’s how Sunny and our network of lenders protect your interests:

Full FCA authorisation and regulation: Sunny operates as an Appointed Representative of Flux Funding Limited (FRN 806333), which is authorised and regulated by the Financial Conduct Authority. Every lender in our network is also FCA-authorised. This means we all follow strict rules about responsible lending, transparent pricing, fair treatment, and proper complaint handling. The FCA sets interest rate caps to prevent exploitative lending, mandates affordability checks, and can fine or close down lenders who break the rules. This regulatory oversight protects you.

Your data stays secure: All information you provide is encrypted using bank-level security protocols. We store your data securely and never sell it to third parties for marketing purposes. We only share your application details with lenders you choose to apply to, and only for the purpose of assessing your loan application. You have full control over your data and can request deletion at any time under GDPR regulations.

Soft credit check protects your credit score: When you apply through Sunny, we start with a soft credit search that’s completely invisible to other lenders. It appears on your credit file but in a section only you can see. It has zero impact on your credit score. Other lenders checking your file can’t see it and won’t know you applied. This is fundamentally different from a hard credit search, which other lenders can see and which does affect your score. We only proceed to a hard search after you’ve chosen a specific lender and decided to complete their full application. This protects your credit profile from damage.

Clear pricing with no hidden fees: Every lender in our network must display the total cost of borrowing clearly before you commit. You’ll see the APR, the monthly payment amount, the total amount repayable, and the total interest charged. No surprises, no hidden fees, no small print catches. What you see is what you pay. Sunny itself charges you absolutely nothing – no application fees, no broker fees, no arrangement charges. Our service is completely free to customers.

Right to withdraw and early repayment: If you change your mind after accepting a loan, you typically have a cooling-off period to withdraw without penalty. The exact period depends on the lender, but 14 days is standard. All lenders in our network also allow early repayment with no penalties. If you want to pay off your loan ahead of schedule, you’ll stop accumulating interest from that point forward, reducing your total cost.

Proper complaint procedures: If something goes wrong or you’re unhappy with any aspect of our service, we have clear complaint procedures. Sunny and all our lenders must respond to complaints within specified timeframes and work to resolve issues fairly. If you’re not satisfied with how a complaint is handled, you can escalate to the Financial Ombudsman Service, an independent body that settles disputes between consumers and financial firms.

Responsible lending commitment: We only work with lenders who share our commitment to responsible lending. This means proper affordability checks, transparent terms, fair treatment of customers in financial difficulty, and compliance with all FCA rules. If a lender develops a pattern of unfair practices, we remove them from our network. Our reputation depends on ensuring customers have good experiences.

These protections aren’t just box-ticking exercises. They represent genuine safeguards built into every stage of the lending process. The UK’s lending regulations are among the strongest in the world specifically because previous generations of borrowers weren’t adequately protected. You benefit from those hard-won consumer protections every time you use a service like Sunny.

The Application Process Step-by-Step

Knowing exactly what to expect removes anxiety from the application process. Here’s what happens from the moment you click the application button to the moment money arrives in your account:

Before you start: Gather the information you’ll need. Have your bank details handy, know your monthly income after tax, know your approximate monthly expenses, and have your address history for the last three years ready. Having this information prepared speeds up the application significantly.

Personal information section: You’ll provide your name, date of birth, email address, and mobile phone number. Basic identity information that every lender needs. This takes about 30 seconds.

Address and residency section: You’ll confirm your current address and provide your address history for the previous three years. This helps lenders verify your identity through credit reference agencies. If you’ve moved several times recently, have those previous addresses ready.

Employment and income section: You’ll tell us about your employment status (employed, self-employed, or receiving benefits) and your monthly income after tax. Some lenders might ask about your employer’s name and how long you’ve worked there. This helps them verify income and assess stability.

Bank details section: You’ll provide your UK bank account number and sort code. This is where loans get paid and where repayments get collected. Make sure these details are correct as errors can delay funding.

Loan details section: You’ll specify how much you want to borrow and over what timeframe. The system will show you the monthly repayment amount based on typical interest rates so you can adjust the amount or term until you find something that fits your budget.

Submit and soft search: When you submit your application, we immediately perform a soft credit search and present your details to our lender network. This happens in seconds. The soft search checks your basic credit information without affecting your score.

See your matches: If lenders are willing to consider your application, you’ll see them listed with their approximate terms. You might see one lender, or you might see several. Each will show the likely monthly payment, total repayable amount, and key terms. This is where you compare and choose.

Complete full application with your chosen lender: Once you select a lender, you’ll proceed to their application system. You might need to provide a few additional details specific to their requirements. They’ll perform a full credit check at this point, which will appear on your credit file.

Affordability assessment: The lender will verify your income and assess affordability. Some lenders use Open Banking to check your bank statements electronically with your permission. Others might ask you to upload statements or payslips. This step ensures you can actually afford the repayments.

Decision: Most lenders provide a decision within minutes. If approved, you’ll see your final loan agreement with all terms clearly laid out. Read it carefully, particularly the repayment schedule and total amount repayable.

Sign agreement: If you’re happy with the terms, you’ll sign the agreement electronically. This is a legally binding contract, so make sure you understand and agree to everything before signing.

Funding: Once you’ve signed, the lender processes the payment. With Faster Payments, money typically arrives within 15 minutes to a few hours. Some lenders pay instantly. Some take slightly longer. If you apply outside business hours, you might wait until morning, but the commitment is within-day service, and most customers do receive funds the same day they apply.

Confirmation: You’ll receive email and SMS confirmation once the money has been sent. Check your bank account to confirm arrival. The money is yours to use for whatever you need.

The entire process from starting your application to having money in your account typically takes anywhere from 30 minutes to a few hours. The exact timing depends on factors like how quickly you complete the application, what time of day you apply, how quickly the lender can verify your information, and how fast your bank processes incoming payments. But the system is designed for speed. That’s the whole point of 24 hour loans.

Find your match today

Why you can count on Sunny:

• Over 1 million customers since 2022
• 4.5 out of 5 stars on Trustpilot (7,385 reviews)
• 7,500+ daily quotes processed
• FCA-authorised broker and lenders
• Never any fees from Sunny
• Soft credit check won’t affect your score

Important Information About Borrowing

Representative example: Borrowing £1,000 over 18 months at a representative APR of 89% (fixed) means 18 monthly repayments of £102.42. Total amount repayable: £1,843.60. Total interest charged: £843.60. Interest rate: 89% per year (fixed).

Representative APR: 89%. The rate you receive will depend on your individual circumstances and may be higher or lower. Our lenders offer rates ranging from 9.3% to 1,721% APR.

Think carefully before borrowing: Only borrow what you can afford to repay. Missing payments can cause serious financial problems and damage your credit score. If you’re struggling with existing debts, free help is available.

Free debt help resources:

• StepChange: Free debt advice charity – stepchange.org or call 0800 138 1111
• Citizens Advice: Free, confidential advice – citizensadvice.org.uk
• National Debtline: Free debt advice – nationaldebtline.org or call 0808 808 4000
• MoneyHelper: Free financial guidance – moneyhelper.org.uk

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk