Loans by Value

Different value loans we find for you today,
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Should you need to borrow money in an emergency situation, we recommend you only take on the exact amount you need. This is why we offer access to loans in a range of values from £100 to £2,500. These can be used to cover the cost of a wide range of expenses, from an emergency car repair to an unexpected fine or bill.

In this section, we’ve considered every loan by value and what it’s best used for, how to improve your chances of being accepted for one and how to apply. We believe that everyone should be well informed before they make important financial decisions and therefore we’ve tried to consider everything you need. Take a look at our range of guides below.

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.

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Loans by Length

Eligibility for a loan

Before you apply for a loan of any value, you’ll need to consider if you are eligible first. Eligibility requirements can differ slightly across lenders, however, should you choose to apply with Sunny you will simply need to be at least 18 years old, a UK resident, not bankrupt and with a stable income. You’ll also need to provide details of your bank account and debit card, this is so your lender can pay your loan into your account if you are accepted and so they can take payments.

Whether you’re applying for £200 or £2,000, you will also be subjected to a credit and affordability check. This helps to ensure that lenders only provide loans to people who can afford to pay them back to reduce the likelihood of financial difficulty in the future. However, the great news is when you apply for an instant decision this doesn’t impact your credit rating as our lenders do something called a soft search. This means they can confirm the likelihood of you being accepted and check your credit report but they won’t leave a note that could lower your overall score.

More about our loans by value guides

In this guides section, we’ve created articles that breakdown the elements of loans by value and what they’re best for. Smaller loan amounts are there for those last-minute expenses before payday, for example, if your car has broken down and you need to cover the cost of getting it towed or the washing machine has broken and you have to pay a call-out fee for an engineer to visit. Larger loan amounts, anything above £500, are for emergencies but for those that require careful consideration. Before you apply for any loan, you should look into other ways of covering an expense first to avoid unnecessary borrowing or debt.

Read through the guides that best match the monetary value you’re considering borrowing to find out more about what it’s best used for and how to improve your chances of being accepted should you need to apply.

Got everything you need?

Know how much you want to borrow and feel confident that a short-term loan is the right choice for you and your current financial circumstances? Then hit the button below and fill in an application to determine how likely you are to be accepted for a loan.

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Representative 89% APR

How a Sunny loan can help

Here at Sunny, our aim is to help you tackle unexpected expenses quickly, so that you can get back to the important things in life. That’s why we believe our bad credit loans are the best choice for those who need credit now, and have been turned away by their bank or other credit providers. When you choose Sunny, you also enjoy the following benefits.

Get the quick loan you need, in minutes

Apply for a loan and receive an instant decision, even with bad credit. You could receive your cash in just 15 minutes of approval#.

We never charge fees

You don’t need to worry about those extra fees. There are absolutely no application fees and no admin fees.

Save on interest if you repay early

Our market-leading panel of lenders offers great flexibility on the amounts you can borrow and the amount of time you can take to repay.