Eligibility for a loan

Before you apply for a loan in any value, you’ll need to consider if you are eligible first. Eligibility requirements can differ slightly across lenders, however, should you choose 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 we can pay your loan into your account if you are accepted and so we 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 we 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 we do something called a soft search. This means we can confirm the likelihood of you being accepted and check your credit report but we won’t leave a note that could lower your overall score.

Loan examples

Take a look at the different loan values below and how these impact the interest you pay. You can choose between a range of amounts and discover what you’ll likely be required to pay over a period of time, to help inform your decision. When you’re ready, you can then apply for a loan from Sunny via the button below.

Monthly rate
Based on a
30 day month
Loan term
The loan term is fixed but you can repay early at any time
The loan term is fixed but you can repay early at any time
Representative example
£ for months
%pa (fixed)
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No impact to your credit 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 with Sunny.

Apply today

Representative 1267% 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 one of our loans 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, no admin fees and no late payment fees.

  • Save on interest if you repay early

    Unlike other loan providers, you can pay early and save on interest. Plus, it’s easy to manage your account online to stay on top of your upcoming payments, and even pay a bit extra or early.

With Sunny, good vibes come as standard