We 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.
Yes, Sunny offers 24-hour payday loans direct, with no brokers involved. This cuts out the middleman, making the process smoother and quicker for everyone.
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. We ensure our customers can afford to make their repayments and not find themselves in financial difficulty later, which is why we perform a full credit and affordability check on every application we receive.
More information about our 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.
Our loans range from £100 to £2,500, over a variety of terms, but can be repaid early at any time to save you money on interest. Also, if you change your mind after applying for a loan, we give you five days to return it* – just call our friendly team to repay what you originally borrowed, and we won’t charge you any interest.
While you can get your hands on money quickly with a 24-hour loan, you should only apply for one in a real emergency. These loans are a short-term fix, and shouldn’t be used for a long-standing financial issue. If you need any help or advice when it comes to your finances, seek out the support of a service such as the Citizen’s Advice Bureau or charity Stepchange.
Based on a
30 day month
The loan term is fixed but you can repay early at any time
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. We don’t even charge fees for late or early repayments!
Make additional payments at any time through your online account. We encourage our customers to pay back their loans early, to save on interest.