Based on a
30 day month
The loan term is fixed but you can repay early at any time
No impact to your credit score
You can apply for a small loan with Sunny in amounts from as little as £100 to cover smaller expenses. Check your eligibility quickly and easily***, and if you’re likely to be approved, you can go ahead and submit your application. Your small loan could be in your bank in just 15 minutes.
A small loan is there to support you close to payday, when you don’t have quite enough in the bank to cover an unexpected expense. We recommend you look into alternative borrowing options before applying, such as using savings or asking for help from a friend or family member.
Yes, you can. Small loans for bad credit are available, however, your credit rating may affect our decision on whether to accept you for a loan or not, as well as the amount you can borrow. You can find out more about bad credit and short-term loans here, in our in-depth guide
Applying for a small loan is very simple with Sunny – and quick too. You simply need to fill in the details on our online form, submit and then wait for our response. We offer an immediate decision on loan applications. If you are accepted, we’ll then transfer the money straight into your bank account – often in as little as 15 minutes – and then you can use this to pay for any emergency costs.
We offer loans from £100, so this could be enough to cover an emergency car expense or larger than usual utility bills. You can then make repayments on this for a period of time after or pay off the whole amount once payday rolls around – whatever works for you!
Some small loans are very similar to payday loans. Others work like open lines of credit or running credit accounts, which have the option to withdraw from them multiple times. At Sunny we offer our customers a single sum, but do allow them to have more than one loan at once, should they need a little extra on top of their original loan.
Yes. We conduct both a credit check and an affordability assessment to make sure that our customers are both in a position to repay us, and can do so affordably. At Sunny we consider ourselves a solution to short-term financial worries, so it would not be right for us to lend money to a customer who would be unable to meet their repayments.
You could have the small loan you need fast – we can transfer it directly into your bank account in just 15 minutes, if your application is approved.
We don’t charge fees – so what you see is what you pay when you receive your repayment schedule from us.
We offer five days to change your mind*, so if you find another solution to your financial emergency or simply change your mind, you can call to pay back, without paying interest or other fees, no unnecessary questions asked.
More information on small loans
Small loans, or ‘micro loans’, are types of personal loans. These are loans that help cover emergency expenses and that you receive from a lender such as Sunny.
These smaller loans can help you cover unexpected bills, so you don’t have to take out a big loan you might struggle to pay back, simply because that’s the only option available to you. Some loans are so small that they require full repayment by your next payday, a feature of particular benefit to some customers, as it means your balance is settled quickly.
We offer loans from £100 to £2500, meaning we offer flexibility over the amount you borrow. We’ll give you a repayment schedule that reflects the amount you’ve borrowed to make sure each instalment is affordable for you. You can, though, repay early at any time to save money on interest.