Sunny’s alternative to Moneyboat loans

Sunny’s alternative to Moneyboat loans

from £100 to £2,500

Representative 1266% APR

Find out more about Sunny’s alternative short-term loans

There are a number of lenders to choose from when you need cash for an emergency situation, and choosing the best lender for your needs can be a difficult decision to make. That is why we’ve created a range of guides, comparing Sunny’s short-term loans to other similar loan providers on the market, to help you discover which lender may be the right choice for you.

In this guide, we’ve taken a closer look at short-term loan provider Moneyboat, what they offer, and Sunny’s alternative offer.

What type of loans are available from Sunny and Moneyboat?

Both Sunny and Moneyboat offer short-term loans, which are intended for use in an emergency situation such as if your car breaks down and you need to pay for repairs, or if your boiler goes haywire just as you need it in a spell of cold weather.

Short-term loans are something that should only be taken on after a great deal of thought and consideration. They should be treated as a last resort, so it’s important that you explore and rule out all the other ways that could be available to you to cover r your financial need before you apply for a short-term loan. This could be as simple as using your savings, borrowing the money you need from family or friends, or perhaps using a credit card you already have to cover your costs and repay the balance before interest is applied to your account.

Sunny and Moneyboat are both direct lenders; this means that when you apply to them, you will borrow the money directly from them. Choosing a direct lender can also mean that there are less delays when it comes to getting an accurate decision on your application, and if you are accepted the money will be  transferred faster.

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How Sunny and Moneyboat compare

We have broken down some of the key considerations when it comes to taking on a short-term loan and how Sunny and Moneyboat compare. This should help when making your decision on who to apply for a loan with.


Sunny Moneyboat
How much can I borrow? Sunny offer short-term loans from £100 You can borrow between £200 and £800 as a new customer. Returning customers can borrow up to £1,500.
How long will it take to receive my money? If you are accepted, we can transfer your money in just 15 minutes – any time of day. Moneyboat can fund loans within 15 minutes during their office hours: between 8am and 5.30pm Monday to Friday.
Are there any fees? No, Sunny does not charge any fees. Yes, there is a late payment fee of £15 that is added if you haven’t made a due payment within three days.
How long do I have to pay my loan back? You have six to 14 months to pay back a short-term loan and up to two years for a personal loan. You must pay back your loan in two to six months.
Can I pay back my loan early? Yes, there are no fees to do this and you’ll even save on interest if you do so! Yes, you can pay back your loan early with no fees.
Credit check? Sunny carries out a soft search*** of your credit report to give you an indication of how likely you are to be approved. This kind of credit check doesn’t impact your credit rating. If you submit your application, then we will carry out a hard credit check that may impact your credit score. Moneyboat carries out a hard credit check that could impact your credit score. They do not offer a soft search to check your eligibility before you apply.

Comments from Sunny customers

Sunny offers a service that our customers love. That’s why we have an excellent TrustPilot score** and some great testimonials. You can see these below, to help when making your decision.

Need a loan?

Feeling confident that cutting out the middleman (or lady in this case) and applying for a loan direct with Sunny is the best choice? You can apply via the link below.

Want to know more?

We’ve compared Sunny’s short-term loans against a number of lenders. Take a look at our in-depth comparison guides below.

*** Soft search is currently only available to new customers. Our eligibility check will assess whether you meet our lending criteria. Even if you are eligible, we may still require proof of ID and/or proof of income before we approve the loan.