Quick Loans

Fast Loans

from £100 to £2500

Representative 1281% APR

Below you’ll find all you need to know about a quick loan from Sunny

When a financial emergency happens, you need to find the cash to cover the unexpected expense, fast. For some people, paying an unexpected bill could leave them short for other obligations. Dipping into a savings account to avoid this, or asking a family member or friend for help isn’t always an option, and this is where a short-term loan can help bridge the gap. At Sunny, we offer fast loans designed for situations like this. You can apply online and receive an instant decision on your application.

Online applications speed things up considerably. Traditional methods of applying for credit can be slow, as you wait for an appointment at an individual office or branch, and then wait to receive a cheque in the mail, or for instructions to go and collect your cash. Online applications automate a lot of these steps: you’ll face barely any delays at all before you receive your cash as a direct deposit into your bank account. Your research and your decision can happen in the same short period. And most often, if you’re looking for cash quick, you need it today – not tomorrow or in a few days’ time!

Online lenders can be a great choice when you have a pressing need for funds. Sunny can help with many of the reasons you may have for needing to get a quick loan. Read on to find out more about our short-term loans and how one could help you should a financial emergency arise.

Eligibility for fast loan from Sunny

When applying for any loan – whether it’s the payday type or a personal loan from your bank – you’ll need to check you are eligible first. If you want to apply for one of our fast loans, you need to be over 18 years of age and a UK resident. We also ask that you meet a number of other criteria, too, such as supplying address history for three years and having an active bank account. You can find out more about all of our eligibility criteria by clicking “find out more” below.

It is important to us to ensure our customers can repay what they have borrowed and that the quick loan that solves today’s problem, doesn’t then become tomorrow’s burden. When you apply for a loan with Sunny, you give us consent to carry out a credit and affordability check on you to make sure you are not only able to repay, but can afford to make the repayments without sacrificing other essential obligations.

Quick money loan calculator

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
24 %

Based on a 30 day month

Loan Term
6 Months

The loan term is fixed but you can repay early at any time

Representative example
£100 for 6 months
Interest rate
292% pa (fixed)
6 repayments of
Total amount repayable
1281% APR
Max APR   %

Fast loans FAQs

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

When you apply online you don’t have to wait for a decision. Your application is processed straight away and you’ll get an instant decision 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.

Click here to read our full FAQ page

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.

More information on quick cash loans

After you provide your information in the on-screen application, we run a credit check, other background checks, and an affordability assessment to decide whether we can and should lend to you. Once your loan has been approved and money has been sent to you, it’ll be available in your bank account for you to spend or withdraw as you need.

You’ll then be able to keep track of payment dates and amounts using your online account area and email and SMS updates.

We use Continuous Payment Authority (CPA) to collect your payments automatically on your due dates, so you can pay back what you’ve borrowed without having to remember to send money to pay us each month.

A fast loan could help you pay for an unexpected car repair, a home emergency such as the boiler breaking down, or the fridge freezer not working, allowing you to clear these expenses with no delay. The loan we offer factors in your income and outgoings to make sure repayments you make are manageable and that you can comfortably afford them.

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 anything else?

If you feel confident when it comes to fast loans and have decided that Sunny is the best option for you, hit the “apply now” button below. If you need any further information about our application process or our loans, get in touch with our UKbased customer service team who can answer any questions you may have.

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.