Emergency loans from £100 to £2500

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Life has a way of throwing a curveball when you least expect it, but emergency loans can help you get back on track. You can get an instant decision and have money transferred straight into your bank account on the same day#, if approved. That’s “life support”.

Whether the car needs fixing or a pipe has burst in the bathroom, if you don’t have quite enough left in the bank to cover the cost before payday, an emergency loan can bridge the gap until your wages land. Here, we’ve broken down how to apply for an urgent emergency loan, when you may need one and why Sunny could be the best option.

Are you eligible for an emergency loan?

Like any loan, there are a few requirements you’ll need to meet to be considered eligible to apply. We’ve broken some of these down below:

  • You must be over 18 years old
  • You must be a UK resident – This means you will need to have a permanent UK address you can provide proof of.
  • You must have a regular income – You need to have a way of paying back what you have borrowed, so we will ask you to confirm the details of your income, and expenses.
  • You must agree to a credit check – As part of our application process we will conduct a credit and affordability assessment. By applying, you consent to this.
  • You must not be bankrupt or otherwise insolvent – If you’ve recently claimed bankruptcy, have taken on an IVA or are currently in a debt management plan you will not be eligible for an emergency loan.

If you believe you meet the criteria for an emergency loan, click the button below to see more about eligibility and applying.

Representative 89% APR

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 Upward Finance Limited, who is an introducer 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.

Emergency loans information hub

Emergency loans are there for unexpected costs and urgent situations, ready to help you pay for your expenses and then you can repay what you’ve borrowed shortly afterwards, once payday rolls around. Here we’ve answered some questions about emergency loans to help you decide if this is the best option for you.

  • We recommend looking into an emergency loan when you’ve exhausted all other financial options – such as borrowing money from a family member or friend, or using savings. Emergency loans are there for the moments when there is no other option, to help you pay for an unexpected expense before payday arrives. Then, once your wages are in your account you can pay back what you’ve borrowed. 

  • It’s important that you only take on this type of loan in an emergency situation when you have exhausted all other options. Should you decide an emergency loan is right for you, then you can use the money to cover that unexpected expense. An emergency situation could be something like the boiler breaking in the middle of winter, the car needing unexpected repairs after an MOT to make it road worthy, or paying an extra charge on a phone bill. These are all expenses you hadn’t accounted for and if you have little or no savings, an emergency loan could be the only option to pay for them. You shouldn’t use one to help with a long-term financial problem, or to repay another emergency loan.

  • As part of every application, lenders will run a credit check via one of the three reference agencies – Experian, Equifax, or TransUnion (formerly Callcredit). They do this to ensure you are able to make the necessary repayments and minimise the chances of you finding yourself in financial difficulty later. We want our customers to get the best deal and to relieve themselves of stress, not to have to handle more later down the line. If your credit score is low, or you have no previous credit history this could affect your prospects of being approved.

  • If you have a low credit score, a number of things may be affecting it. It could be something as simple as not being enrolled on the electoral register, to an outstanding payment you didn’t realise you still owed. It’s a good idea to check your credit report before applying to borrow money. You can do this for free via a service such as Clearscore

More information on emergency loans

Emergency loans are designed to cover the cost of something unexpected. At Sunny, they are available in amounts from £100 to £2,500 from our broker partner’s panel of lenders, catering for all levels of emergency. And, you can have the money quickly if your application is accepted.

This kind of loan may have a higher APR than a standard personal loan. This is because they are only meant to be taken on on a short-term basis; the idea is that you repay what you’ve borrowed within a few months and ideally even less time – once you’ve been paid. The reason for taking out an emergency loan can vary: they can help whether you need to make last-minute emergency travel arrangements or need to urgently replace a valuable item that’s been lost or stolen.

If you need money fast, an emergency loan may be a good choice if you’ve explored other options and haven’t found a solution. Ensure you find the best deal for you and only borrow the amount you need – applying for more money than you require can lead to issues when it comes to paying it back as larger amounts mean higher interest.

How a Sunny emergency loan can help

Sunny is here to offer a lifeline in an emergency if you have an urgent need to borrow money. We know how important it is to feel financially secure, which is why our partner's panel of lenders are there to help and also doesn’t charge fees to ensure you don’t find yourself owing more than you thought. Here, we’ve broken down a few ways Sunny can help you.

Lenders understand the urgency of an emergency and can get the money to you fast.

We don’t charge fees - so what you see on your repayment schedule is what you’ll pay. You won’t pay a penny in admin charges.

It takes just a couple of minutes to apply and you will receive an instant decision.

Got everything you need?

If you feel like you need to get money urgently, then Sunny can help. Lenders provide you with an instant decision, so you know where you stand quickly, and can clear those unexpected payments straight away. If you need any more advice or guidance when it comes to this type of loan, speak to our customer support team who will be more than happy to answer any questions you may have. Alternatively, check out our detailed FAQ section which may have the answers you need.

Apply now!

Representative 89% APR

Looking for alternative lending options?

If you want to know more about emergency money loans for bad credit or instant cash loans then click on the links below to find out more about loans for these circumstances.

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