Tips and Tools

Find out the latest tips and tools to help you save money and provide financial advice.

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We’re always looking for better ways to manage our money and so here at Sunny, we created a comprehensive list of guides and articles that look into financial issues in depth. From what to do if you’ve been rejected for a loan to how much it costs to have a baby, we’ve taken a closer look at a variety of important things to consider when it comes to your finances.

Improve your financial know-how whatever your background and feel better prepared for the future and whatever it has in store.

Representative 89% APR

Representative Example: Borrowing: £1000 for 18 months, Total Repayable: £1853.43, Total Interest: £853.43, Interest Rate (Variable): 89.9%. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender’s requirements and approval.

Sunny Loans is a registered trading name of Upward Finance Limited, who is an introducer appointed representative of Flux Funding Limited, who is a credit broker, not a lender. Loan repayment terms are 3-36 month loans.

Warning: Late repayment can cause you serious money problems. For help, go to

Eligibility for a loan

To be accepted for a loan, you’ll need to meet a certain set of criteria whatever lender you choose. In this guides section, we’ve created articles that deep dive into the concept of eligibility and what you need to check before you apply to borrow money.

Remember, if you choose Sunny and apply for an initial decision this won’t affect your credit rating. This is because our broker partner’s panel of lenders perform something called a soft search, which means they take a look at your credit report and confirm whether you are likely to be accepted for a loan or not but they don’t leave a mark on there. This means there is a reduced chance of your credit rating being impacted – which is great news for everyone!

Check Eligibility

More about our tips and tools

At Sunny, we strive to inform our potential customers about the impact borrowing money can have. We want to always be open, fair and honest and ensure you have everything you need to make the right financial decision when it comes to borrowing.

Our guides are there to support you and offer advice on a variety of money management issues should you need it. However, it’s important to stress that we are not a financial advice service and so if you are struggling with debt or managing your money we recommend that you speak to an expert such as The Money Helper or StepChange about your situation.

Got everything you need?

We hope our tips and tools have helped when it comes to making your decision about a short-term loan. If you’re ready to apply then you can do so using the button below.

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Representative 89% APR

How a Sunny loan can help

Here at Sunny, our aim is to help you tackle unexpected expenses quickly, so that you can get back to the important things in life. That’s why we believe bad credit loans could be the best choice for those who need credit now, and have been turned away by their bank or other credit providers. When you choose Sunny, you also enjoy the following benefits.

Get the quick loan you need, in minutes

Apply and receive an instant decision from our partner's panel of lenders, even with bad credit. You could receive your cash today#.

We never charge fees

You don’t need to worry about those extra fees. There are absolutely no application fees and no admin fees.

Save on interest if you repay early

With flexible repayment terms from 3 to 36 months, you can find a loan to fit your budget.