Cash Loans

Below you’ll find all you need to know about cash loans from £100 to £2500.

Speedy payment

Small loans can be sent today.

No obligation quote

Instant quote with a soft search and no fees.

1000's of people helped

Over 7500+ no-obligation quotes processed daily!

If you’re looking for emergency cash to cover you until payday, Sunny could be the short-term loan introducer you’ve been looking for. A market-leading panel provides cash loans in a range of amounts, so you can get the loan size that suits you and your circumstances. If you’re looking to take on this type of loan, read our guide below first to help you understand exactly what it involves and what your options are.

Receiving a Cash Loan through Sunny

Some lenders offer physical cash but at Sunny, if your application is approved, your lender will directly deposit the amount you want to borrow into your bank account. If you need this as physical cash, you can then withdraw it from an ATM or your bank.

Short-term cash loans help during financial emergencies – from replacing a home appliance to unexpected bills, cash can be deposited in your bank account, fast. This means you can pay any surprise bills straight away, putting your mind at ease.

  1. Once you have been approved, the cash loan will be deposited into your bank account straight away.
  2. We don’t charge fees, so you won’t need to worry about extra upfront costs such as admin or application fees.
  3. Most lenders will allow you to pay back early to save money on interest and manage everything from your application to your final payment through an online account.

Although lenders are quick, they will still only approve your application if you pass their 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.

Eligibility for a Cash Loan

To be considered eligible for a cash loan you must:

  • Be over 18 years old
  • Be a UK resident
  • Not be bankrupt or otherwise insolvent
  • Have a mobile phone
  • Receive a regular income
  • Agree to a credit check
  • Have a valid email address
  • Provide your bank and debit card details
  • Provide your address for the past 3 years

Approval is subject to a credit and affordability assessment of your application to ensure you can make repayments. Most lenders are required to carry out credit and affordability checks, and at Sunny, the process is swift so there’s no delay when you need money most.

Can I get a Cash Loan with Bad Credit?

If you have a poor or limited credit history, you may find it hard to qualify for a cash loan. Here at Sunny, we understand that everyone has different circumstances, therefore our broker partner’s panel of lenders do offer bad credit loans for people who may struggle to get a loan with poor credit. 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.

What is the difference between a Cash Loan and a Personal Loan?

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. 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.

When is a Cash Loan a good idea?

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 investigate alternatives, such as using savings, before applying for credit.

Read More FAQ’s

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 through Sunny. However, lenders 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, deposit cash straight into 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.

How a 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 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, you could see your cash loan deposited into your bank account today.

We don’t charge fees, so you won’t need to worry about extra upfront costs such as admin or application fees.

Most lenders will allow you to pay back early to save money on interest, and manage everything from your application to your final payment through an online account.

Ready to apply?

Many borrowers find that loan agreements have confusing pricing and hidden fees, so we make it simple by providing 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.

Apply now

Representative 89% APR

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.

Bad Credit Loans

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.