Handy Help & Advice
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!
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
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 Advice Service or StepChange about your situation.
Representative 1267% APR
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.