Small Loans

Small loans can help keep you on your feet until payday, and the manageable amounts they come in mean you can repay them quickly, with no fuss. This means that unexpected bills can be resolved as soon as they appear, and your repayments can be settled by the date of your next payday.

However, we don’t consider ourselves a payday loans company, here at Sunny. Instead, our brokler partner works with a panel of lenders who offer a real lifeline to our customers with no fees to pay when you borrow and a quick turnaround on your application. Read on to find out more about our low-value loan and why one might be right for you.

You can apply for a small loan at Sunny in amounts from as little as £100 to cover smaller expenses. Lenders will 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 today^#.

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 a response. OUr broker partner offers an immediate decision on loan applications from a market-leading panel of lenders. If you are accepted, your lender will then transfer the money straight into your bank account  – and then you can use this to pay for any emergency costs.

Our broker partner’s lender panel offer loans from £100, so this could be enough to cover an emergency car expense or larger than usual utility bills.

Some small loans are very similar to payday loans. Others, however, work like open lines of credit or running credit accounts, which have the option to withdraw from them multiple times. At Sunny our partner’s lenders offer 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.

As a broker, our partner does not credit check, however, their lender panel conducts both a credit check and an affordability assessment to make sure that customers are both in a position to repay, and can do so affordably.