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In those moments where you need money fast, sometimes a short-term cash loan can feel like the best kind of support. If you’re looking for emergency cash to cover you until payday then 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.
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’re looking to take on this type of loan, be sure to read our guide below first to help you understand exactly what it involves and what your options are.
To be considered eligible you must:
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.
Feeling clued up on cash loans? If you’re looking for a quick turnaround, then Sunny could be a good option to end your short-term money worries today and move towards establishing a better financial future for yourself.
If however, you find that your financial problems won’t be solved by a small loan then we suggest you don’t take on more borrowing and instead look for an alternative way to resolve your issues. For longstanding financial problems, it’s important to seek free and impartial debt advice. There are many debt charities in the UK, such as Citizens Advice and StepChange who have experts dedicated to providing support and guidance around your circumstances.
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.
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.