Instant Loans from £100 to £2500

In this guide, you’ll find all you need to know about instant loans.

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Sometimes, no matter how carefully you spend and budget, your money just doesn’t last from payday to payday. Unexpected bills can come up suddenly, catching even the best budgeters off guard and now, you might feel stuck, trying to find a way to cover an expense that you couldn’t predict.

However, here at Sunny, our no-nonsense approach to getting the money you need into your bank account could help you sleep easier in the face of unexpected expenses. With our broker partner’s market-leading panel of lenders, instant loans come in a range of amounts, with repayment periods determined by the amount you borrow. This means you can select an amount that works for your current circumstances. In this guide, we’ve broken down what an instant loan is, why it might work for you, and what it involves.

Are you eligible for an instant loan?

You’ll need to be at least 18 years of age, have a valid UK bank account, a regular source of income, and be a UK resident to be eligible to apply for an instant loan through Sunny.

After inputting your details, lenders approve or decline your application within minutes, and if approved, the money could be deposited in your bank account today#. From this point on you can manage your account online directly with your lender.

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 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

Instant loans information hub

Instant cash loans are for short-term problems, to help our customers deal with unexpected fees and bills as and when they arise. Our chief aim is to offer you peace of mind and we try to do this as quickly as we can. Here, we’ve answered some common questions around this kind of loan

  • An immediate cash loan offers an instant decision on your application and then if you are approved, the money is transferred directly to your bank account quickly. For those dealing with an emergency expense, instant loans are a great option.

    Lenders can indicate whether or not you’ll be approved for a loan by carrying out a soft search of your credit report, which doesn’t impact your credit score. If you’re likely to be approved and decide to go ahead and apply, they will carry out a hard search of your credit report and once approved, you’ll receive the money on the same day#.

  • There are a wide range of situations whereby you might be feeling that your funds are a little too thin to cover you. Unexpected expenses  such as boiler repairs, broken plumbing and leaky roofs are not usually things you factor in to your budget and can be expensive to fix, causing high levels of financial burden.

    Other expensive surprises such as vehicle breakdowns and problems with your white goods are common reasons for taking out an instant loan, to shoulder the burden quickly and get back on track.

  • Credit checks are a legal requirement, which means that for every application we receive, lenders carry out extensive credit checks to make sure the applicant can afford their repayments. Instant loans online with no credit check do not exist, and here at Sunny, we believe that’s for the best.

    It’s of the utmost importance to us that our customers can afford their repayments, as causing extra stress is not our aim. We like to think of ourselves as a lifeline to those experiencing an emergency cash situation, offering a helping hand on a short-term basis. We understand how upsetting financial problems can be, but being able to afford your payments is more important and avoids more upset in the long term.

  • Your credit score will be taken into account when a lender assesses your application for an instant loan. If you have a bad or non-existent credit score, this may affect your ability to get the best rate on an instant loan. In this scenario, you may still be able to secure a loan, but at a higher rate of interest and perhaps not for as much as you originally applied for.

  • It is possible to get an instant loan with bad credit but bear in mind the interest rate may be higher. Look into our guide on bad credit loans for more information on how this works, and how you can take simple steps to improve your credit rating.

  • Sunny is a loan introducer. Our broker partner works with a panel of lenders who offer instant payday loans to support you when you need a little extra cash to cover unexpected expenses.

  • You can click here to find out if you are eligible, and apply, for one this kind of loan. If you need any help, our friendly, UK-based customer care team are on hand to answer all your questions.

More information about instant loans

Sometimes you simply don’t have the cash to cover a one-off or unexpected payment, which is where instant loans can come in handy. Providing you with the money you need to help tide you over for the time being and pay an unexpected expense, instant loans can help to reduce the stress that can arise from money worries.

Our aim at Sunny is to provide a sort of life support to our customers. We recommend that you only use loans as a short-term solution – not as the basis for long term plans. It is for this reason that the loans we provide access to have a maximum value of £2,500. This means the sum you eventually payback is affordable, and that the loan is a solution, not a problem for the future.

If you’re looking to get money fast in an emergency, we’ll work hard to make sure you don’t have to go without or spend another day worrying about where you’re going to get funds from. If you’re looking for instant loans with no credit check, then you will find this hard to come by. However, while it is thorough, the approval process is rapid, meaning you’re taken swiftly through the application.

How a Sunny instant loan can help

Sunny is all about being there in those tough moments. We call it life support. Here, we’ve broken down just a few reasons why Sunny could be the right choice for you.

We get you an instant decision, the money could be in your bank today#.

Unlike some other companies, you won’t pay a penny in fees.

A market-leading panel of lenders offers you the flexibility to borrow the amount you need and repay at a time to suit your needs and budget.

Got everything you need?

Interested in checking out an instant loan for yourself? If you’d like more information about the loans we offer access to, then feel free to browse through our website. As well as instant loans we also have more information on payday loans and cash loans, helping you find the right product for your needs.

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Looking for alternative lending options?

When it comes to instant loans, we understand that you may need one for a variety of reasons. Below, we’ve broken down the different circumstances behind each loan, ready for you to read up on before making a decision. At Sunny, we want you to feel confident when you take on a loan product, which is why we strive to provide you with all the information you need up front. Whether you have bad credit and want to know more about applying for a payday loan or are looking for a cash option, check out the guides below for more information.

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