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 we perform something called a soft search, which means we take a look at your credit report and confirm whether you are likely to be accepted for a loan or not but we 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!

Bad credit lending example

Here, we’ve broken down a few examples of this type of payday loan for bad credit – detailing different amounts and the interest you’ll pay on each. Take a look through to see which one would be best for you and your circumstances and then hit the apply now button to get an instant decision on one of our loans for those with a poor credit history.

Monthly rate
Based on a
30 day month
Loan term
The loan term is fixed but you can repay early at any time
The loan term is fixed but you can repay early at any time
Representative example
£ for months
%pa (fixed)
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No impact to your credit score

More about Sunny

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 Advice Service or StepChange about your situation.

For now, take a look at our latest guides covering everything from how to save for a house to what to do if you find that you can’t pay back a loan.

Got everything you need?

Feel like you have a good understanding of lenders? Hit the apply now button below and receive an instant decision. Once we’ve approved your loan, you could have the money in your account in 15 minutes.

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Representative 1281% 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 our bad credit loans are 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 for one of our loans and receive an instant decision, even with bad credit. You could receive your cash in just 15 minutes of approval.

  • We never charge fees

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

  • Save on interest if you repay early

    Unlike other loan providers, you can pay early and save on interest. Plus, it’s easy to manage your account online to stay on top of your upcoming payments, and even pay a bit extra or early.

With Sunny, good vibes come as standard