Emergency Loans

Emergency Loans

from £100 to £2500

Representative 1281% APR

Find out more about emergency loans from Sunny below

Life has a way of throwing a curveball when you least expect it, but one of our emergency loans can help you get back on track. You can get an instant decision and have money transferred straight into your bank account in as little as 15 minutes, 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 emergency loans, 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 – If you’ve recently claimed bankruptcy, you will not be eligible for an emergency loan.


If you believe you meet the criteria for one of our emergency loans, click the button below to see more about eligibility and applying.

Emergency loan example

Here, we’ve broken down the interest, repayment period and the final amount of a range of Sunny emergency loans – so you can determine which may be best for you. Tweak the options to see what may suit you best and to help you with your own calculations around repaying an emergency loan.

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
1281% APR
Max APR   %

Emergency loans information hub

Emergency loans are there for unexpected costs, 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 best to only take on one of these loans in a real emergency. This 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 a cash loan to help with a long term financial problem, or to repay another emergency loan – if you feel you need help with your debts, it’s best to seek out free and impartial debt advice about your situation. For example, National Debt Line, StepChange and Citizen’s Advice all offer free advice.

Yes. Credit checks using information from Credit Reference Agencies are part of the approval process for every application we receive. We do this to assess the likelihood of you making the necessary repayments. We also conduct affordability checks to ensure that repayments are affordable for you and to 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, further down the line.

If your credit score is low or you have no previous credit history, this could impact how likely you are to be approved. It’s also worth noting that a full credit check can affect your credit score and will be listed on your credit report, where it will be visible to any other lenders you apply to in the future. You can find out more about which Credit Reference Agencies we work with, and how we use the information they provide, in our Privacy Policy.

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, or 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 by using a service such as Clearscore.

How a Sunny emergency loan can help

Sunny is here to offer a lifeline in an emergency. We know how important it is to feel financially secure, which is why our loans are there to help.  We also don’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.

We understand the urgency of an emergency and can get the money to you fast – in as little as 15 minutes once your application is approved.

We understand the urgency of an emergency and can get the money to you fast – in as little as 15 minutes once your application is approved.

We don’t charge you if you want to repay your loan early – in fact, we think it’s great. As we charge interest daily, if you pay back your loan early, you’ll pay less interest overall.

More information on emergency loans

Emergency loans are designed to cover the cost of something unexpected. With Sunny, loans are available from £100 to £2,500, catering for all levels of emergency, and you can have the money in just 15 minutes once your application has been approved.

This kind of loan will have a higher APR than a standard personal loan. This is because they are only meant to be taken out 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 more interest is paid.

Comments from Sunny customers

We believe in offering a fair, transparent service and it’s clear our current customers appreciate this. Check out our great reviews below and Trustpilot score** and use these to help you when deciding who to apply to for emergency money.

Got everything you need?

If you feel like you need to get emergency money, then Sunny can help. We 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.

Looking for alternative lending options?

All of our loans are instant and can be granted within minutes. However, 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.