Fast Payday Loans

Below you’ll find all you need to know about applying for a quick payday loan

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Time is money – or so the old saying goes – but you don’t need to worry about that when you apply for a loan with Sunny. This type of loan can help you get around short-term financial obstacles and financial emergencies. 

What counts as an emergency for a fast payday loan?

If you’re faced with an emergency but don’t have the funds to cover the cost upfront, you may need to apply for a loan. For example, if you need to pay for expensive car repairs or an unexpected bill, you can get an emergency loan, fast, to help cover the cost until you’ve been paid.

At Sunny, our market-leading panel of lenders makes an almost instant decision on loan applications they receive, and you could have the money in your bank account in under an hour# if your application is approved! Choose between values of £100 to £2,500 for a quick loan that suits you and your circumstances. Read on to find out more about these loans, which are ideal for use in an emergency.

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 Flux Funding Limited who are 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.

Fast payday loans information hub

Want to know more about these fast loans available through 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.

  • It is possible to get a loan with bad credit but bear in mind that your credit history will impact how much you can borrow and the interest rate you’ll have to pay. With Sunny, you can check your eligibility and likelihood of approval based on the details you provide and this won’t impact your credit rating*. This is because our lender partners offer something called soft search, which allows them to check your credit report without leaving a visible mark on your file.

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

  • A quick payday 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. However, we recommend you only consider this type of loan when you need money quickly and have no other option. 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, our lenders understand the urgency of one of these types of loans and so their checking process is very swift and they can confirm whether your application has been accepted or not within a matter of minutes. Remember, a reputable loan provider would not offer a fast payday loan without performing a credit check first.

  • If you apply for a number of loans over a short period of time then this could impact your score. However, it’s worth noting that if you choose Sunny you’ll benefit from our lenders using their soft search function on your initial application. This allows them to check your credit report without leaving a mark that other lenders will be able to see, and can give you an idea if you’re likely to be accepted or not with no risk to your credit score.

More information on fast payday loans

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.

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 recommend you reach out to a service such as Money Helper or a charity like StepChange, who can offer advice.

Eligibility for a fast payday loan

To be considered eligible for a payday loan you must be over 18 years old 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 through Sunny, you also agree to our lenders carrying out a credit and affordability check. This helps them decide whether to approve your application or not. If you have a poor credit history, this can affect your chances of getting a loan.

How a Sunny loan can help you

At Sunny, we pride ourselves on offering “life support”. Our partner's loans are there for those in need of emergency cash and so they offer a great range of added benefits, which we’ve listed below. Take a look and see if they 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 applications fees with Sunny.

You’re in control, our lenders will give you access to an online account area that allows you to manage your payments and even make earlier ones in your own time to save on interest.

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.

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Representative 89% APR

Looking for information on other types of loan?

Here at Sunny, we introduce customers to 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 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.

Lending Options

Terms and conditions

Our eligibility check will assess whether you meet the lending criteria for our panel of lenders. Even if you are eligible, they may still require proof of ID and/or proof of income before they approve the loan.