An immediate cash loans offers an instant decision on your application and then if you are approved, the money is transferred directly to your bank account in minutes. For those dealing with an emergency expense, instant loans are a great option.
At Sunny, we 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, we’ll carry out a hard search of your credit report and once approved, you’ll receive the money in just 15 minutes.
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, we 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 foras 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.
Yes, we offer instant payday loans with no brokers involved 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 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 offer have a maximum value of £2,500. This means the sum you eventually pay back 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, our approval process is rapid, meaning you’re taken swiftly through the application. If approved, you’ll have the money in your account in as little as 15 minutes.
Based on a
30 day month
The loan term is fixed but you can repay early at any time
Representative 1267% APR
We offer an instant decision, the money could be in your bank in 15 minutes.
Unlike some other lenders, you won’t pay a penny in fees. We don’t charge any admin fees and don’t even charge fees on late payments.
A Sunny loan is super easy to manage online. Plus, if you pay back your loan early, you’ll save money on interest.