Eligibility for a loan
Whatever you need your loan for, it’s important that before you apply you check that you are eligible. While meeting eligibility requirements doesn’t guarantee that you’ll be accepted, it can improve your chances. Every lender has their own requirements but common themes include the expectation that you are at least 18 years of age, have a stable income, are a UK resident and have a bank account and debit card.
At Sunny, we offer something called soft search which means we will check your eligibility and provide an instant decision on your initial loan application without impacting your credit rating. We will look over your credit report to determine the likelihood of being accepted for a loan and confirm the amount you can borrow. If you’re happy with this, you can then complete your application for the full loan. Bear in mind this is when your credit rating may be impacted.
Based on a
30 day month
The loan term is fixed but you can repay early at any time
No impact to your credit score
Short-term loans for those last-minute curveballs
In this guide section, we’ve considered every reason why you may need a short-term loan and what to consider before applying. Whether you need a loan to pay for a new home appliance or to cover the cost of an unexpectedly high phone bill, these articles can help.
If you’re dealing with a faulty boiler, take a look at our guide on boiler repair which considers the average repair costs and how to handle these. Our pet bill guide looks at how much you could have to pay should your pet have to take a trip to the vets and what to do to pay the final amount. We believe everyone should be prepared and know where to turn in an emergency situation. Take a look at our comprehensive selection of guides before you apply to borrow money or make any decisions.
Representative 1281% APR
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.