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Sunny has the answers for how to get a short-term loan if you need money now

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Many people find themselves in unexpected situations where they could do with a little bit of extra cash to cover an urgent expense before their next payday. If you need money now, for any type of emergency, then look no further. At Sunny, we pride ourselves on getting our customers access to the money they need quickly and easily.

It’s not always possible to account for every unexpected expense you may face, and even when you do try to plan for the unexpected, sometimes these things cost more than you’d budgeted for. Whatever the case, when you need cash in an emergency, we understand how stressful that can be.

Getting money now with Sunny

At Sunny, our broker partner works with a panel of lenders who offer emergency short-term loans in values from £100 to £2,500, to cater for a variety of expenses you may find yourself facing. We believe we provide “life support” for those who need it, and for our customers who find themselves in tough situations.

However, remember that short-term loans should always be a last resort, even if you need money now. Find out other ways to tackle the unexpected to see if there are other ways you can deal with your situation first.

Eligibility for a short-term loan

Before a lender can approve your application for a loan, they must ensure you can make repayments on the amount borrowed, so that your loan isn’t adding a further financial burden. When you’re in a situation where you need money today, you may worry that such checks will add time to the process that you can’t afford to lose. At Sunny, however, credit and affordability checks are completed within seconds to give you an instant decision on your application.

Before you apply for a loan through Sunny, we ask that you check that you meet some eligibility criteria. This means you will need to:

  • Be at least 18 years old and a UK resident
  • Receive a regular income and have an active bank account and debit card
  • Be able to provide your address history for the past three years
  • Have a working email address and mobile phone
  • Not be bankrupt or otherwise insolvent

How to apply for a loan if you need money now

Applying for a loan to receive money quickly is done easily and online with Sunny. Before you apply, you can give us your details and our broker partner will come back to you quickly with an indication of whether you’re likely to be accepted for a loan with one of their lenders or not – and this doesn’t impact your credit rating.

If you’re likely to be approved, you can submit your application and, subject to passing a hard credit check and affordability assessment, receive your loan today.

How Sunny loans can help you get money now

At Sunny, we like to think of loans as “life support”. This means we do all we can to help our customers when they need to tackle one of life’s emergencies. Take a look at the great features our loans come with to help you decide if Sunny is the introducer for you.

We understand how stressful it can be to wait for a decision on your application, so we ensure you get a decision straight away

At Sunny, we don’t charge any fees. That means no admin charges or application fees.

Apply for any amount between £100 and £2500 and spread the repayments over 3 to 36 months.

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Representative 89% APR

Sunny Loans Information Hub

Have a question about a loan through Sunny? We’ve tried to answer some of the most common ones below. If there’s anything else you need more information on, be sure to take a look at our FAQ section first or speak to one of our customer service team.

  • All short-term loans have higher interest rates than long-term loans; this is because they are designed to be used over shorter periods. But loans where you can access money straightaway are no more expensive than any other type of short-term loan. Be aware that the interest rate you pay will depend on how much you borrow and the time you want to take to pay it back.

  • We introduce customers for loans up to £2,500. Whatever you need the money for, you can have this money in your account today# if you are accepted. It’s important that you only borrow what you need though, and no more; that way, you can get back in control of your finances quickly.

  • To apply for a loan, simply complete our online application form, filling in details such as your name, your home address, bank details, and income and expenditure information. Then, our broker partner’s lenders will use this information to conduct credit and affordability checks to ensure the loan you’re applying for is one you can repay affordably. If you are accepted, we will let you know straight away, and you could have the money in your bank account today. 

  • Short-term loans are designed to help out in the kind of emergencies where you need money to pay for something now but are unable to do so without leaving yourself short for other essentials. Or, perhaps you’d simply rather spread the cost than take the hit all in one month. Sunny can help in all manner of emergencies, from something as quick to fix as the car breaking down or something bigger, such as a flood in your home. Short-term loans should not be used for long-term financial issues. If you are experiencing financial difficulty, we recommend you seek impartial debt advice from a not-for-profit organisation like Stepchange or the Money Helper

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