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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. We offer access to fast loans that can help you get around short-term financial obstacles and financial emergencies
A fast payday loan can help you deal with an emergency 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. If you have an unexpected cost and need help making ends meet a fast loan could be the support you need to see you to payday.
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.
To be considered eligible for a fast payday loan, you must be over 18 years old and be 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. Be aware that each lender will also have their specific requirements as well as these general terms, so be sure to check each lender’s eligibility requirements. Find out more about each of our direct lenders and their terms.
When you apply for a fast loan through Sunny, you also agree to lenders carrying out a credit and affordability check. This helps our broker partner’s panel decide whether to approve your application or not. If you have a poor credit history, this can affect your chances of getting a loan. It’s still possible to get a payday loan with bad credit, but it may reduce your options.
Lenders will first complete a soft check, which will not affect your credit score. This allows them to see if you will be able to afford the repayments, and they will let you know if you are likely to be accepted by them. Once you get a decision, you can apply, and a full credit check will take place. It is a legal requirement for credit checks to be done before a lender gives you a loan, so be wary of any lender saying that they can get you a loan without a credit check.
Applying for a fast payday loan through Sunny is quick and easy; it’s all done online. All you need to do to apply for a fast loan online is fill in our application form. Then our partner’s panel of lenders will run a speedy, yet thorough, credit and background check. These are only soft checks, so won’t affect your credit rating. The checks are used to assess if you can afford the repayments and if you are eligible for a fast loan.
After you have received the initial instant decision from our partners, you need to continue your application in full. Your fast loan will be approved quickly, and once approved, the money will be sent to you. In many cases, you will have the money on the same day.
Fast payday loans can help with unexpected expenses and 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 fast loan. For example, if you need to pay for expensive car repairs or an unexpected bill, you can get a fast payday loan online to cover the cost until you get paid.
With fast payday loans, you can borrow between £100 and £2,500. So if you have an emergency expense between these amounts, a fast loan can have you covered. Apply for a fast loan online with Sunny, and you can have money to cover your unexpected expenses quickly, often within the same day.
Representative 89% APR
It is possible to get a fast 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. You can often be approved and have the money in your account within the same day you apply. You can also look at 24-hour payday loans for the fastest loans available.
A fast 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 a fast loan without having your credit report checked first. However, lenders understand the urgency of one of these types of loans, 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 several loans over a short period, then this could impact your credit 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 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.