Quick money loans example

To help make things easier, as you do your research and own calculations around borrowing for an emergency, we’ve created this sliding calculator. Simply change the amount you want to borrow and you’ll see how much this will cost in total, as well as how much interest will be charged.

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)

Fast loans information hub

We’ve answered some of the most common questions around applying for a fast loan online. Click each question to discover the answer.

  • A fast loan is typically a short-term loan intended for emergencies. These loans can be applied for in an emergency situation and if you are approved, transferred the very same day. They are usually for smaller amounts of money compared to personal loans, which take longer to arrange as the amounts are larger and require further checks. 

  • When you apply online you don’t have to wait for a decision. The form is sent off instantly and your decision is back in no time – sometimes in as little as fifteen minutes when you turn to Sunny. After you are approved, most online lenders will directly deposit your cash into your bank account. With Sunny, the funds you need will be transferred to you within 15 minutes of your application being approved.

  • With so many different types of loans and different lenders out there, it’s important to compare the various options to find the loan and lender that best suits your personal needs. When it comes to emergency expenses, you often need to make financial decisions very quickly, and making a well-informed decision is essential to your financial stability. 

    Consider every aspect of the loan: will the lender allow you to pay back early without penalty? How flexible are they? What is the process to reapply like, if you need to borrow again in the future? And most importantly, in this case, how quickly will you get the cash? Carefully reading lenders’ websites for information like this will help you find the best loan for you.

  • Yes, Sunny is a direct lender. This means that if you apply to us, if you’re approved, your loan will come directly from us. We offer an instant decision and send the money direct to you, this can make the application process even faster. You can use a broker to find a good deal but this can be a longer process, so it isn’t always ideal when you need money for an emergency. However, when looking for any type of loan, it is important to do your research first before applying. A price comparison website can help and once you’ve input your details and requirements takes very little time to point you towards loans with better interest rates. 

  • Yes, if you choose Sunny we aim to fund every approved customer within 24-hours of receiving their application, even if we need to conduct extra checks to finalise your application. In most cases, we will transfer funds to you within 15 minutes of approving your application. 

How Sunny Loans can help

Sunny doesn’t just offer fast loans, we believe in providing “life support” for the days where you don’t know where to turn financially. We allow you to cover unexpected expenses and then repay your loan without fear of any nasty surprises.

  • You could receive your money in just 15 minutes of approval when you apply through Sunny.

  • We don’t charge any fees - not even for late payments. This means you can cover that unexpected expense and then repay what you owe without any worries.

  • We give you 5 days* to change your mind - so if you call and repay what you’ve borrowed and we won’t charge you any additional fees or any interest.

Testimonials from Sunny customers

We believe in honesty and transparency when it comes to dealing with something as important as borrowing money. That’s why our customers are so happy with our service, take a look at our TrustPilot score** and reviews below to help when making your decision on who to borrow from.

Need any alternative lending options?

Whatever your reason for requiring a quick loan, we can help. We’ve created some further guides, which are based around a number of circumstances that go into detail about how to apply for fast loans. Whether you’re dealing with bad credit or want to know more about how to apply online, one of these could help.