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.
We provide a quick and simple way for you to get cash when you most need it.
Fill out a simple online application and get an instant decision.†
Get fast cash you can easily access.
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.
A line of credit is convenient and flexible. As long as you manage your repayments, you'll have ongoing access to your available credit.
Log on. Choose how much to transfer to your bank account. It'll be sent within 15 minutes.*
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.
With a Sunny Flexipay™, select the payment option that suits you.
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.
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.
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.
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
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.
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.