Cash loans information hub

Here, we’ve answered some of the most common questions around cash loans, to help you decide if it’s a type of loan that works for you. If anything isn’t answered here, our FAQ section may also be able to help.


    • Sell things around the home – An old games console, a mobile phone you no longer use or baby items your children have grown out of can all be sold for quick cash. 
    • Go to a car boot sale – Take everything you no longer want from your home, garden and garage and sell it for cash in hand at your local car boot. 
    • Ask friends and family for help – A loved one may be able to give or lend you the cash you need to pay that expense. 
    • Donate your clothes for cash – There are shops popping up that will buy your unwanted clothes for a fixed price per kg. 
    • Complete online surveys and reviews – There are sites that will pay you to complete surveys and leave reviews, they don’t pay a huge amount but if you do enough, it could help with your situation. 



  • You can apply for a last minute cash loan with Sunny. However, we do not provide your loan in cash but will transfer the amount you borrow directly into your bank account. If you need this as physical cash, you can then withdraw it from an ATM or your bank.

  • Last minute cash loans are designed to help you in an emergency situation, such as if you have urgent car repairs to pay for, or are faced with an unexpected bill. Borrowing of this type is an expensive form of credit that may be appropriate for short-term financial needs but is not appropriate for longer-term borrowing or if you are in financial difficulty.

  • If you have a poor or limited credit history, you may find it hard to qualify for a cash loan. Instead, take some time to read our guide on bad credit loans for more information on how to improve your credit score and improve your chances of being accepted for a cash loan. 

  • Cash loans give you fast access to money and usually have a relatively short repayment period. This kind of loan may also be considered a payday loan, providing support until you receive your wages that month. Some lenders may give you physical cash while others, like Sunny, deposit cash straight in your bank account by bank transfer.

    Cash loans are there for emergencies and are normally taken out at the last minute, when no other financial support is available. They are different to other types of unsecured loans, like personal loans, which tend to be repaid over a longer period of time. They usually involve borrowing a larger amount of money, which is repaid in instalments. Personal loans are often used for planned expenses, such as a new car or a home renovation.

  • You should only apply for a short-term cash loan if you feel confident that you will be able to comfortably afford to make the repayments on time for the duration of the repayment period. We also recommend that you ensure your reasons for applying are a true emergency. Always look into alternatives, such as borrowing from family or using savings, before applying for credit.

More information on cash loans

Cash loans are there for short-term support. Ideal for covering you when life takes an unexpected turn, they should only be used for a last minute cost before being repaid once you receive your usual monthly income. They’re a great option if, say, an unexpected vet bill occurs in the last week of the month, or the washing machine decides to perform its last cycle ever – allowing you to deal with life’s emergencies without delay.

Different lenders offer different types of loans, so be certain the company you borrow money from offers what you need. If you need cash fast, a traditional bank loan, for example, may not be the best option as their approval process can take longer than an online lender.

At Sunny, although we are quick, we will still only approve your application if you pass our fraud, creditworthiness and affordability assessments.

We don’t charge any fees when you apply for a cash loan: the only thing you’ll need to repay is the amount you borrowed, plus interest. You’ll be issued a helpful repayment schedule too, which you should follow to make your repayments. You can click to apply here if this loan sounds like the right choice for you.

Last minute cash loan example

Below, you’ll find a clever calculator featuring examples of a cash loan with Sunny. Take a look to see which loan term and amount could work for you. You’ll be able to see the total amount you’d need pay, with interest, and decide if this is the best option for your circumstances.

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 cash loan can help

Short-term cash loans offer assistance during financial emergencies - from replacing a home appliance to unexpected bills. In this respect, a last minute loan from Sunny can offer essential life support when you need it, as cash can be deposited in your bank account, fast. This means you can pay surprise bills or cover an unexpected cost straight away and you won’t have a long period of worrying about how to cover this cost before the money arrives, putting your mind at ease.

  • Once you have been approved for a loan with Sunny, you could see your cash loan deposited into your bank account in as little as 15 minutes.

  • We don’t charge fees, so you won’t need to worry about extra upfront costs such as admin or application fees, and there are no charges on late payments.

  • Pay back early to save money on interest, and manage everything from your application to your final payment through your online account.

Comments from Sunny customers

At Sunny we offer fee-free loans, with complete transparency, so you don’t have any surprise hidden charges to worry about. That’s why our customers have such nice things to say about us – we like to think our loans offer life support for those day-to-day money issues. Check out our reviews and testimonials** from real people who have chosen us below, before applying for a cash loan if you need one.

Ready to apply?

Many borrowers find that loan agreements have confusing pricing and hidden fees, so we make it simple by providing all our loan details upfront. We believe that the terms of your loan should be easy to understand and flexible enough to accommodate your unique situation. Click the apply now button to begin your application.

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Looking for alternative lending options?

If you want to know more about alternative loan types, we have in-depth guides available below to help you find the right loan for you. Here at Sunny, we know that life can catch you off guard, so we’re always here to help.