Fast Payday Loans

Fast Payday Loans

from £100 to £2500

Representative 1281% APR

Below you’ll find all you need to know about applying for a fast loan from Sunny

Time waits for no man – or so the old saying goes – but you don’t need to worry about that when you apply for a fast payday loan from Sunny. This type of loan can help you get around short-term financial obstacles. For example, if you find yourself having to pay for expensive emergency car repairs or an unexpected bill, a quick payday loan can help you to cover the cost until your wages come in.

We make an almost instant decision on most loan applications and you could have the money in your bank account not only on the same day, but the same hour! Choose between values of £100 to £2,500 for a fast payday loan that suits you and your circumstances. Read on to find out more about these loans, which are ideal for use in an emergency.

Eligibility for our fast payday loans

To be considered eligible for a payday loan you must meet certain criteria. These include being 18 years old or over and a resident of the UK. You must also be employed and have a regular income to ensure you can make repayments, as well as a bank account. When you apply for a fast loan with Sunny, you also agree to us carrying out a credit and affordability check. This helps our team decide whether to approve your application or not. If you have a poor credit history, this can affect your chances of getting a loan.

Fast payday loan example

Use our clever sliding calculator below, to view a range of loan amounts and repayment periods and determine which could be the best option for you. Your repayment period will be fixed according to the amount you borrow, but you can adjust your schedule to repay more quickly if you wish. You should only apply for as much as you need in an emergency money situation.

If you borrow a larger amount than you really need you will still need to pay it all back, which could result in a longer repayment period than you perhaps originally anticipated.

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   %

Fast loans information hub

Want to know more about these fast and easy payday loans from Sunny? Here, we’ve answered some of the most common questions around this type of loan to help you decide if it’s the right choice for you.

Pretty fast! With Sunny you’ll get a decision on your application in minutes, and once approved, we’ll transfer your funds directly into your bank account, usually within just 15 minutes of approval. This means you can tackle that emergency without any delays.

A fast loan can help when you don’t have enough money in your bank account to cover an emergency cost and have no other way of paying for it. This type of loan should be considered as a last resort; it’s a good idea to use savings or borrow money from a family member or friend before turning to a payday loan, if this is an option for you.

No, with Sunny, it isn’t possible to take on one of these emergency loans without having your credit report checked first. However, we understand the urgency of one of these types of loan and so our checking process is very swift and we can confirm whether your application has been accepted or not within a matter of minutes. Most lenders who offer fast payday loans will perform similar credit checks before approving your application.

When we perform a credit check on you this will leave a record on your credit report. This could impact your credit score. If you apply for a number of loans over a short period of time then this will also impact your score, and can appear to lenders as though you are desperate for cash, which makes them warier of you when you apply to them.

How a Sunny fast payday loan can help

At Sunny, we pride ourselves on offering “life support” to our customers, both through our loans and the other benefits that come with a fast payday loan with Sunny. Take a look and see if one could help you and your financial situation.

They’re not called fast payday loans for nothing. Once your application is approved you could receive your money in as little as 15 minutes.

Emergencies are expensive enough, which is why we don’t charge extra fees when you need your money most. You won’t pay any admin or late or early repayment charges with Sunny.

You’re in control, as we give you access to an online account area that allows you to track your balance and payments and even pay back early to save on interest.

More information

A fast payday loan can help you deal with an emergency situation without the added stress of worrying about how to pay for it. You can get the car fixed straight away, pay an unexpected vet bill or plan emergency travel.

Our loans are flexible in terms of the amount you can borrow, with no fees. Plus, if you decide you don’t need it or find a better alternative you can simply call to return the money to us within five days* and not pay a penny of interest.

You can also repay your loan early and save on interest, unlike some other loan providers and even banks.

It’s worth noting that while these loans are helpful, they shouldn’t be sought out to cover a long standing financial issue, or to repay other similar loans. If you are struggling with money or debt, we suggest seeking free and impartial debt advice from a not-for-profit organisation such as StepChange or the Money Advice Service.

What real Sunny customers say about us

Our TrustPilot score** and glowing reviews say it all: we treat our customers fairly and offer a great product that helps them get back on track. Take a look for yourself below, to help you decide if Sunny is the right lender for you.

Got everything you need?

Absorbed all that information? If you believe a fast payday loan is right for you, hit the apply now button and work with our friendly team to gain access to the emergency money you need.

Looking for alternative lending options?

Here at Sunny, we offer short-term lending options for a range of circumstances. We believe in helping our customers every step of the way, which is why you’ll find a selection of helpful guides below detailing how our payday loans can help you in a number of different situations. Whether you have bad credit or are looking for a short-term lending solution, we can help.