24-hour loans information hub

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.

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.

24-hour loan loan example

Use our clever calculator below to take a look at our 24-hour loan options. This details how much you would have to pay in total, depending on your chosen repayment period and our current interest rate. Select how much you want to borrow, and how long for, and see what this means in terms of how much interest you will pay.
This can help you decide which amount and repayment term will work best for your circumstances. It’s worth noting that you should only apply for the smallest amount of money needed to solve your emergency. Applying for more than you need could lead to financial difficulties later if the repayments are higher than you initially planned for.

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 Sunny 24-hour loan can help

We’re here to help, which is why as well as providing the money you need, our loans come 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. 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.

Comments from Sunny Customers

Our customers definitely like what we do. This is because we try to be totally transparent and open with our 24-hour loans, ensuring you understand exactly what you’re applying for and what they involve. We think our promise to charge no fees is another plus. Check out what people have been saying about our service and take a look at our excellent TrustPilot score** below.

Want to know more about other lending options?

At Sunny, we offer 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.