More Loan Types
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.
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 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.
Representative 1281% 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.