Loans for Life

Loans for life’s unexpected eventualities, from car repairs, to home improvements, to vet bills.

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Life happens. Call it fate, call it circumstance but sometimes things just don’t go the way you want them to and you may be left worried about money. This is where a short-term loan can step in. These loans can be used in a wide variety of situations, all of which we’ve covered in this guide section.

We’ve considered every issue that may require a short-term loan and what to think about before you make the decision to apply. At Sunny, we want our potential customers to feel confident before they complete our application form. Whether you need a loan to cover the cost of emergency dental work or need to pay the plumber for that middle of the night call out, this guide section is there to help you work out what to do to get back on your feet.

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

Life happens. We're to help.

Whether you need an emergency plumber to come and fix a broken boiler or a quick call to the dentist to cure your toothache, Sunny is here to help you.

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, all of our broker partner’s lenders offer something called soft search which means they will check your eligibility and provide an instant decision on your initial loan application without impacting your credit rating. They 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.

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.

Got everything you need?

Feel like you have a good understanding of what types of loans you can apply for and how they can help you? Then hit the button below to complete our application form and discover 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 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 and you will receive an instant decision from a market-leading panel of lenders. You could receive your cash today# if approved.

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

Lenders offer great flexibility, allowing you to spread your repayments to fit within your budget.