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, 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.

Loans for life lending examples

It’s a good idea to work out how much a loan could cost you on a monthly basis. Take a look at our examples below and move the sliders to determine how much a loan could cost you over a certain period of time. Then, when you feel ready, you can complete an application for a short-term loan using 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

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 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