Eligibility for a loan

Across the industry, lenders must consider if a potential customer is eligible for one of their loans before they can accept their application. It’s also a good idea to consider your own eligibility before you apply to ensure you aren’t rejected and your credit rating isn’t impacted.

The good news is, we offer something called soft search here at Sunny, which means we can review your credit report and determine if you’re likely to be accepted for a loan without impacting your credit rating. Then, if you’re happy to go ahead we’ll review your report and make a note on there.

In most cases, to be deemed eligible for a loan, you must be at least 18 years of age, a UK resident, not bankrupt, have a stable income and also access to a bank account and debit card.

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 want to ensure you have all the information and guidance necessary to make an informed decision when you need to borrow money. Take a look at our guide on online loans to learn more about how the loans industry has changed and how to apply for a loan online. We’ve also considered payday loans in detail and how these work.

Short-term loans are our bread and butter here at Sunny, so you’ll find an in-depth guide considering what this type of loan is best used for and what to consider before you hit apply. Many people require loans for emergency situations, so be sure to take a look at our instant loans and need money now guides for further guidance.

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.

Apply today

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