Speedy payment
Small loans can be sent today.
No obligation quote
Instant quote with a soft search and no fees.
1000's of people helped
Over 7500+ no-obligation quotes processed daily!
When life throws you a curveball, waiting for cash isn’t an option. At Sunny, we match you with FCA-regulated lenders who can get £100-£2,500 in your account today – often within 15 minutes of approval. One quick application, one soft credit check that won’t hurt your score, and you could have the same day funds you need to keep life moving. That’s what 1 million customers call a brighter way to borrow.
When unexpected expenses hit, waiting isn’t an option. We match you with FCA-regulated lenders who can provide quick access to funds from £100 to £2,500, often within minutes of approval.
- 89% approval rate through our panel of lenders
- Soft search protects your credit score
- 83% receive funds within 15 minutes
- Over 1 million customers since 2020
Representative 89% APR. Rates from 9.3% to 1721% APR.
Get an Instant Quote – Soft Check, No Fees
Understanding Same Day Loans in the UK
Same day loans are short-term finance solutions designed for urgent cash needs. When approved, funds transfer to your bank account on the day you apply – perfect for covering emergency expenses like car repairs, broken appliances, or unexpected bills.
Modern short-term lending has transformed since FCA regulation in 2015. Unlike old-style payday loans requiring full repayment on your next payday, today’s options let you spread costs over 3 to 36 months with fixed monthly payments.
How same day funding works
The speed comes from automated decision-making and Open Banking technology. Lenders can assess affordability instantly using real-time data, meaning qualified applicants often receive funds faster than traditional bank loans which can take days or weeks.
Why Work With a Broker for Quick Loans?
As a credit broker, we don’t lend money directly. Instead, we connect your application with multiple lenders simultaneously – dramatically improving your approval chances.
The broker advantage:
- Access to 30+ lenders with one application
- Higher success rate – 67% approved after being declined elsewhere
- Single credit check – multiple lenders, one soft search
- Completely free service – lenders pay us, not you
- Matched to suitable lenders based on your circumstances
- FCA protection throughout the process
Customer feedback: “Applied at 2pm for car repair funds, had £800 by 2:15pm. The soft search gave me confidence to check my options.” – James, Manchester
The Application Process: What to Expect
Getting emergency funds doesn’t have to be complicated. Here’s exactly how it works:
Step 1: Tell us what you need
(90 seconds)
Share basic details about your loan requirements and financial situation. This initial check won’t appear on your credit file.
Step 2: Instant lender matching
(60 seconds)
Our technology reviews your application against lending criteria from our panel, identifying the most suitable options for your circumstances.
Step 3: Review your offers
(30 seconds)
See transparent loan offers with clear monthly payments, total costs, and representative APRs. Take time to choose what works for your budget.
Step 4: Receive your funds
(typically 15 minutes)
Once you accept an offer and pass final lender checks, money transfers directly to your account. Most customers receive funds the same working day.
Check Your Eligibility – Won’t Affect Your Credit Score
Who Can Apply for Same Day Loans?
Modern lenders focus on current affordability rather than just credit history. Here’s what you need:
Essential requirements:
- Aged 18 or over
- UK resident with 3 years’ address history
- Regular income of £500+ monthly
- UK bank account with debit card
- Not currently bankrupt or in an IVA
What improves approval chances:
- Stable employment or benefits income
- Electoral roll registration
- Manageable existing commitments
- Realistic loan amount for your income
Understanding credit checks
We use a two-stage process:
- Soft search – Checks eligibility without impacting your score
- Hard search – Only if you accept an offer, may temporarily affect your score
Not sure about your eligibility? Our loan checker provides guidance without affecting your credit file.
Real Costs: What You’ll Actually Pay
Transparency matters. Before accepting any loan, you’ll see exactly what you’ll repay in pounds and pence.
Example loans and repayments:
Emergency expense: £500 over 6 months
Monthly payment: £104.17
Total repayable: £625.00
Total interest: £125.00
Larger need: £1,500 over 12 months
Monthly payment: £143.75
Total repayable: £1,725.00
Total interest: £225.00
Maximum loan: £2,500 over 24 months
Monthly payment: £135.42
Total repayable: £3,250.00
Total interest: £750.00
No hidden charges:
- Application: Free
- Broker service: Free
- Early repayment: Free (and saves interest)
- Missed payment fee: £15 maximum (total, not per payment)
Representative APRs appear high (89%-1721%) because they show annual rates. For short-term borrowing, focus on the actual pounds you’ll repay.
Your Rights When Borrowing
FCA regulations provide robust consumer protection:
Cost caps protect you:
- 0.8% daily interest maximum
- £15 default fee limit (total)
- 100% total cost cap – never repay more than double your loan
Your legal rights:
- 14-day cooling-off period to cancel
- Right to repay early without penalties
- Mandatory affordability assessments
- Access to Financial Ombudsman Service
- Required forbearance if you struggle
Data protection:
Bank-level 256-bit encryption secures your information. We’re ICO registered (ZA480450) and GDPR compliant. Your details are never sold.
When Same Day Loans Make Sense (And When They Don’t)
Good reasons for short-term borrowing:
- Emergency car repairs to keep working
- Broken boiler or essential appliance
- Unexpected vet bills
- One-off bills you can’t delay
- Avoiding larger financial consequences
When to consider alternatives:
- Regular household bills
- Existing debt payments
- Non-essential purchases
- If you’re already struggling financially
Other options to explore:
- Arranged overdraft – Often cheaper for small amounts
- Credit union loans – Lower rates but slower
- Payment plans – Many companies offer spreading costs
- Employer advance – Some workplaces help with emergencies
- Local welfare assistance – Council grants you don’t repay
Get Free Debt Advice
If you’re worried about money, these organisations provide free, confidential support:
- StepChange: 0800 138 1111
- Citizens Advice: 0800 144 8848
- National Debtline: 0808 808 4000
- MoneyHelper: 0800 011 3797
Ready to Apply?
Join over 1 million customers who’ve trusted us for emergency funding. Our service is free, fast, and won’t impact your credit score to check.
Get Your Quote Now – Instant Decision
About Sunny
We’re the UK’s friendly loan broker, using smart technology to match borrowers with suitable lenders since 2020. Processing 7,500+ applications daily, we’ve built our reputation on transparency, speed, and treating customers fairly.
Same Day Loans Information Hub
Here we’ve answered the most common questions around our fast same day loans.
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Really quickly! We’ll give you a decision in just 3 minutes. If you’re approved and accept an offer, 83% of our customers have their cash within 15 minutes. The whole thing from start to finish usually takes less than an hour. That’s what we mean by a brighter way to borrow – no waiting around when life can’t wait.
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Not at all! We specialise in helping people who’ve been turned down elsewhere. In fact, 67% of our approvals are for customers with bad credit. Our panel of lenders care more about whether you can afford the repayments now than what happened in your past. Everyone deserves a second chance.
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No, it won’t. We do a ‘soft search’ first that’s completely invisible to other lenders and won’t affect your score one bit. You can check your rate as many times as you like – we won’t judge! Only when you accept a loan offer will the lender do a ‘hard search’ that shows on your file. Some people look for no credit check loans, but our soft checks are actually better protection for you.
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We can help you borrow between £100 and £2,500, and you can spread the cost over 3 to 36 months – whatever works for your budget. Most of our customers borrow around £500 for 6 months. Whether it’s a small £200 loan or something bigger, we’ll match you with the right lender.
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We believe in being totally upfront about costs. Here’s a real example: borrow £500 for 6 months and you’ll pay £104.17 monthly, totalling £625. That’s £125 in interest – simple as that. And here’s the brilliant bit: no application fees, no broker fees (ever!), and no penalties if you pay off early. The only charge if things go wrong? Maximum £15 for missed payments – that’s it.
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Yes, absolutely. As long as your total income is £500 or more each month, you’re welcome to apply. Lots of our lenders accept Universal Credit, PIP, ESA, Child Benefit and Tax Credits as regular income. What matters to us is that you can comfortably afford the repayments, not where your money comes from.
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Don’t panic – we’ve all been there. Just call your lender straight away. They have to help you by law, and they will. They might give you a payment holiday, reduce your payments, or extend your loan term. The maximum they can charge for missing payments is £15 total (not per payment). There’s also something called ‘Breathing Space’ that gives you 60 days protection while you get free debt advice.
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Completely safe when you use FCA-regulated lenders like ours. Every single lender on our panel is authorised and regulated by the Financial Conduct Authority. You’re protected by strict rules: maximum 0.8% daily interest, and you’ll never pay back more than double what you borrowed. We’re authorised too (FRN 821471), so you know you’re in good hands. You can check any lender at register.fca.org.uk.
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Great question! When you apply with us, we check your details against 30+ lenders all at once – with just one soft credit check that won’t affect your score. Going direct means if they say no, that’s it – you’d need to apply elsewhere and go through it all again. We boost your approval chances from 23% (going direct) to 89% (through us). Plus, our service is completely free. That’s the Sunny difference!
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Absolutely – and we encourage it! There are zero penalties for paying off early, and you’ll only pay interest for the days you actually had the loan. Pay off a 12-month loan after 6 months and you could save around 40% on interest. Just ask your lender for a settlement figure and you’re good to go.
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Not much! You need to be 18 or over, live in the UK, and earn at least £500 a month (from work, self-employment or benefits). You’ll also need a UK bank account with a debit card and be able to show where you’ve lived for the past 3 years. Unfortunately, we can’t help if you’re currently bankrupt or in an IVA, but check our eligibility guide if you’re not sure.
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Yes! Life doesn’t stop at 5pm Friday, and neither do we. Our application system runs 24/7, and many of our lenders process payments on weekends and bank holidays too. While exact timing depends on your bank, most customers get their 24-hour loans even on Sundays. Now that’s what we call a brighter way to borrow!
Get A Quick Same Day Loan - When Life Can't Wait
Unexpected expenses don’t wait. We match you with FCA-regulated lenders offering £100-£2,500 same day loans – with 83% of customers receiving funds within 15 minutes, even weekends.
Unlike old payday loans, spread repayments over 3-36 months. Most customers borrow £500 over 6 months with affordable monthly payments.
Perfect for emergencies:
- Car repairs or MOT failures
- Broken appliances or boilers
- Unexpected vet or dental bills
- Bridging paydays
Not for regular bills. Struggling with ongoing expenses? Get free advice at MoneyHelper.
Check what you can afford with our soft search – won’t affect your credit score. We help 67% of people declined elsewhere, including those with bad credit.
How Sunny can help
In addition to the flexibility offered to borrowers, our panel of lenders makes loans as straightforward as possible. Sunny is a loan broker who works with lenders that can help people from all different circumstances, including those with bad credit.
You will get an instant decision when you apply for a loan at Sunny.
We don’t charge fees - that's no application or admin charges.
The flexibility of lenders means you can apply for a loan and choose to repay over 3 to 36 months.
Looking for alternative lending options?
Same day loans can be required for a number of situations. We’ve produced a range of guides to help you decide if a loan is a right choice for you, depending on your circumstances.
Loan Guides
Loan Types
Privacy & Terms
About Sunny
Speedy payment
Small loans can be sent today.
No obligation quote
Instant quote with a soft search and no fees.
1000's of people helped
Over 7500+ no-obligation quotes processed daily!