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Here's how it works.

Get the cash you need now in a whole new way.

Welcome to the world of Sunny – a new kind of lending. Here you're not just a number, you're in control of the credit you take, the payment schedule you choose and you even have an opportunity to earn lower rates with us.

Apply now

Applying is easy.

We provide a quick and simple way for you to get cash when you most need it.

All it takes is four minutes.

Fill out a simple online application and get an instant decision.†

Cash is sent to your bank within 15 minutes, if approved.

Get fast cash you can easily access.

5 days to change your mind.

When you borrow and start a new balance, we give you five days to change your mind. No questions asked. Just call our customer care team to return the amount you borrowed and we won't charge you a penny. All we ask is that you stick to our reasonable usage cap of once a month.

Simple access to your new line of credit.

It's up to you – take all of your credit in one go, or just part of it.

A line of credit is convenient and flexible. As long as you manage your repayments, you'll have ongoing access to your available credit.

Access available credit when you need it.

Log on. Choose how much to transfer to your bank account. It'll be sent within 15 minutes.*

Never reapply, access unused credit 24/7.

As you repay what you've borrowed, you could access your available credit without any additional fees, paying only interest on what you borrow. Our service is not intended for continuous borrowing, but there is an option when you need cash quickly.

Choose how you'd like to pay us back.

With a Sunny Flexipay™, select the payment option that suits you.

Change your payment option.

If you'd like a different payment schedule along the way, you're free to change it to another available option or repay in full at any point, so you incur less interest. You can see more about how we only charge interest and learn about our pricing.

Repay via your debit card.

Due dates will be set to your pay dates. Just make sure funds are available in your bank account; we'll do the rest. Learn more about how we collect repayments.

  • Statements via email
  • Text message updates
  • View your balance & available credit online

Sunny Flexipay

You're in charge.

You have up to five months to repay your balance and we offer several payment schedules for you to choose from. You can make payments over one to five months and repay early at any time to pay less interest. We collect your repayments on your pay dates.

If your financial situation changes, you can choose a new payment schedule from the available options. At any point, you can repay the remainder of your balance and pay only the daily interest on the amount you borrowed.

We recommend you repay the most you can afford, as soon as possible, so that you pay less interest.


Sunny Rates

Start Shining with Sunny Rates.

We've designed a points programme to help you earn lower interest rates on what you borrow with us. By making payments on time, you build a score towards lower rates. You can also boost your score by watching our financial health videos and passing a mini quiz of just five questions on these
Sunny Tips.

By making as few as three months’ worth of repayments on time and passing one quiz, you can get at least a 2% rate drop, down to 15% per calendar month, the next time you borrow from us. We're committed to helping you define your own financial future. With timely payments and participation over time, your Sunny Rate can get as low as 15% per month. You'll be able to see your progress by logging on to your account, so you can keep track right along with us.


Sunny No Fee Guarantee

No Fees. Only Interest.

We're not like all the lenders out there. At Sunny, you'll only pay daily interest on what you borrow. You'll never have to worry about application fees, funding fees, rollover fees or late fees because we don't charge them.

Representative 1971% APR (variable) based on an assumed credit limit of £350. Representative example: £350 borrowed for 12 months. Interest 345% p.a. variable. Total amount repayable £1267.80 in 12 payments of £105.65 per month. Total cost for credit £917.80 comprising interest of £917.80.

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

Your credit limit may vary. Terms and conditions apply. Available to UK residents over 18. Approval is subject to a credit assessment of your application.

* Cash is sent to your bank account within 15 minutes of approval.

sunny.co.uk is a trading name of Think Finance (UK) Ltd, registered in England & Wales, company number 05041905, registered office: Fortress House, Skyliner Way. Bury St. Edmunds, IP32 7YA. Think Finance (UK) Limited is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register under FRN 594425

Copyright © 2014 Think Finance (UK) Ltd