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Sometimes, you need money fast. This is when a 24-hour loan through Sunny can help, as we offer an instant decision on payday loans through our panel of lenders. Once you have submitted your application and been approved, you could have the money in your account in as little as 15 minutes#. This is ideal for emergencies, where you need the funds quickly, allowing you to get things fixed or paid for as soon as possible.
24-hour loans are usually quick and easy to apply for online and are often for relatively small amounts ranging from around £100 to £2,500. This type of loan is usually paid back over 3 months, or over an agreed number of instalments spanning a few months or longer. If you want to know more about applying for a 24-hour loan, we’ve put together this guide detailing everything you need to consider so that you can decide whether one of these loans is the right choice for you.
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 18 years old, a UK resident, and have a regular income, among other 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.
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 Flux Funding Limited who are 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.
Our 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 in as little as 15 minutes#.
Sunny is a credit broker who works with a market-leading panel of lenders. This means that whatever your circumstances, we may be able to find a loan that is suitable for your needs.
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.
Not when you apply with Sunny. Our lenders ensure our customers can afford to make their repayments and not find themselves in financial difficulty later, which is why they perform a full credit and affordability check on every application they receive.