24 Hour Loans

Find out all you need to know about 24-hour loans below.

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What are 24-hour loans

A 24-hour loan is there to support you in an emergency. This type of payday loan is turned around fast, with the money in your bank account quickly – ready to tackle the emergency costs you may be confronted with.

This type of loan may have a higher interest rate than a standard personal loan but can be a lifeline for those who have little to no disposable cash close to payday. We recommend looking into a 24-hour loan when you have exhausted all other options – such as borrowing money from family or using savings.

You can also check out our tips on how to survive until payday when you’re low on money, to see if you can avoid a loan.

How much can I borrow with a 24-hour loan?

24-hour loans are usually for relatively small amounts, as they are for emergencies. You can borrow from £100 to £2,500 over a variety of terms. 24-hour loans are typically paid back over 3 months, but they can usually be repaid early too, which can save you money on interest.

Eligibility for 24-hour loans

Before applying for any loan, you need to ensure you are eligible for the type of loan you’ve chosen. This means you need to match a certain set of criteria, which will be determined by the lender before your application can be accepted. To be eligible for a 24-hour loan through Sunny, you must be:

  • Over 18 years old
  • A UK resident
  • Have a regular income

Each lender will also have their own additional criteria that you’ll have to meet to get a 24-hour loan. Read about our direct lenders to find out their criteria.

You’ll also need to agree to a credit check, as this helps lenders ensure they are lending to people who can afford to make the repayments. If you’re looking for a 24-hour loan online with no credit check, we’re afraid you won’t find this here. Reviewing your credit history is an essential part of the loan application process, so you should always be wary of any lender offering this.

How to apply for a 24-hour loan

It’s quick and easy to apply for a 24-hour loan online. You’ll need to answer some questions about your circumstances and submit the form. Our panel of lenders will then quickly decide whether or not to accept your application. If you are accepted, you could see the money in your account today.

Find out more about online loans

Why get a 24-hour loan with Sunny?

We’re here to help, which is why as well as helping you access the money you need, our process comes with a whole range of extras to make dealing with life’s emergencies as simple as possible. We believe in providing people with “life support” for those unexpected and costly occurrences. Here are a few more reasons why Sunny could be a good fit for you and your circumstances.

We can offer an instant decision once your application is received, speeding up the time it takes to get hold of emergency cash.

We don’t charge any additional fees, so you won’t need to find money upfront to pay for admin or application charges.

Most lenders will allow you to make additional payments at any time through your online account. We encourage our customers to pay back their loans early to save on interest.

If you would like some advice on money managing and budgeting, head over to our Good Vibes blog 

Trustpilot

Representative 89% APR

Representative Example: Representative example: Amount of credit: £1000 for 18 months at £102.42 per month. Total amount repayable of £1843.60 Interest: £843.60. Interest rate: 89% pa (fixed). Representative 89% APR. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Individuals with a good credit score may have access to cheaper interest rates. Interest rates associated with short-term loans tend to be higher than those of traditional personal loans. 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 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 www.moneyhelper.org.uk.

24-hour loans FAQs

Here, we’ve broken down some of the key questions asked about 24-hour loans. However, if you can’t find the answer you need here, take a look at our FAQ section.

  • Can you really get the money to me in just 24 hours?

    Lenders strive to review and accept all applications as fast as possible. Once you’ve been accepted, you could have the money transferred to your bank account on the same day.

  • Is Sunny a direct lender?

    Sunny is a loan introducer who works with a market-leading panel of lenders. This means that whatever your circumstances, they may be able to find a loan that is suitable for your needs.

  • Can I get a 24-hour loan with bad credit?

    You can, but before you apply, we recommend you take a look at our guides on bad credit loans. This breaks down how to improve your credit score and what is factored into your application to improve your chances of being accepted.

  • Is it possible to get a 24-hour loan without a credit check?

    Not when you apply through Sunny. Lenders ensure our customers can afford to make their repayments and not find themselves in financial difficulty later, which is why they perform a credit and affordability check on every application they receive.


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Want to know more about other lending options?

At Sunny, we offer access to short-term loans for a wide range of circumstances. If you want to learn more about these, check out our guides below, which cover a range of borrowing needs.

Types of Loan