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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 through Sunny. This type of loan can help you get around short-term financial obstacles and financial emergencies.
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.
A 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 today 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 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.
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. 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 lenders 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. 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, 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 broker partner’s 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.
Representative 89% APR