Cash Loans

Cash Loans

from £100 to £2500

Representative 1266% APR

Below you’ll find all you need to know about Sunny cash loans

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 provider you’ve been looking for. We provide 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, we 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.

Eligibility for a cash loans

To be considered eligible you must:

  • Be over 18 years old
  • Be a UK resident
  • Not be bankrupt
  • 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.

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 to pay, with interest, and decide if this is the best option for your circumstances.

Monthly Rate
24 %

Based on a 30 day month

Loan Term
6 Months

The loan term is fixed but you can repay early at any time

Representative example
£100 for 6 months
Interest rate
292% pa (fixed)
6 repayments of
Total amount repayable
1266% APR
Max APR   %

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.

You can apply for one of these loans with Sunny. However, we do not provide your loan in physical cash but will transfer the amount you intend to borrow directly into your bank account. You can then take this out from an ATM or your bank.

Cash loans are typically used for unexpected expenses like car repairs or replacing essential home appliances. Regardless of how much of it you spend, you’ll be required to pay back the total amount - plus interest - by the end of your loan period. Cash loans are designed for emergency situations and as a short-term solution. 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 in your bank account by bank transfer.

Cash loans are there for emergencies and are normally taken out when no other financial support is available. Meanwhile, personal loans or unsecured loans tend to be repaid over a longer period of time. They usually involve borrowing larger amounts of money, which is repaid in instalments, and 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. We also recommend that you ensure your reasons for applying are a true emergency. Always look into alternatives, such as borrowing from family, before applying for credit.

How a Sunny cash loan can help

Short-term cash loans offer assistance during financial emergencies – from car repairs to unexpected bills. In this respect, a cash 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 meeting 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.

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.

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.

Got everything you need?

Feeling clued up on cash loans? If you’re looking for quick turnaround in as little as 15 minutes, 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.

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.

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 links below to find out more about the loans we have available.