Rating based on 13 reviews

Sunny Loans


  • Payday loans up to £2,500
  • Repayment up to 14 months

In-page navigation

Sunny Loans homepage

Author Sunny Loans. Screenshot of Sunny Loans website. [Accessed September 4, 2019]

About Sunny Loans

Sunny Loans offers fast and flexible short-term loans with no hidden fees and unpleasant surprises.

We offer quick loans available to you in minutes. Our easy to use process lets you know our decision within minutes. If your loan is approved you will receive the money within 15 minutes.

Flexible repayments options

In the event, you manage to repay your payday loan early, you save on interest charged. As such, we spread the cost of borrowing to better suit your budget. In addition, your personal online account allows you to manage your repayments, make added repayments or early repayments in turn granting you a lower interest rate.

Our payday loans

We offer high-interest short-term borrowing options which are designed specifically to assist you when life’s unexpected events give rise.Our payday loans options range from £100 to £2,500 designed to suit your every need.

Whether you need to repair your car, home, pay for a school excursion or settle an unexpected medical bill, Sunny is here to help you. A payday loan is perfect for when your money is being stretched beyond measure. A payday loan with us is quick and efficient plus there are no fees past interest.

Sunny Loans Services

We are different from other lenders, as we don’t charge extra fees.

We do not charge for late-payments and we do not charge an administration fee. What’s expected of you is to only to pay the amount borrowed and the interest which accrues daily.

We care about you

We are fair, honest and transparent in our dealings with you, we strive to act as a lifeline to our borrowers. What this means, in the event you are having difficulty making repayments, we offer various options working with you helping you get back on track.

In the event you change your mind about the loan, you can call to cancel your loan within five days of taking out the instant loan and you will only be obligated to repay the loan borrowed with no fees and interest.

Am I eligible for a Sunny loan?

  • Be 18 years and older
  • Be a UK resident
  • Be in possession of UK bank account and debit card
  • Be employed, earning a net income of £500 per month
  • Own a mobile phone

Sunny Loans Product Details

  • Loan Type Payday loans
  • Loan Amount up to £2,500
  • Repayment 6 months to 14 months

Summary of Services

  • Fast Cash Loans
  • Short-term Loans
  • Flexible Cash Loans
  • Payday Loans

At Sunny Loans we make getting a loan very easy

Simply apply online, it's quick and easy to use.

All loan applications for Sunny has to be received through our website in order for us to process your loan applications.

What do you need?

To make things easy, you will need the following information on hand when completing your online application.

  • Employee details
  • Bank account and debit card details (including sort code and account number)
  • Three years of address history
  • Income and expenditure details
  • Financial obligation details to ensure your loan is affordable for you

Already an existing customer?

As an existing Sunny customer, you may have up to four loans at the same time with us. To see if you are suitable for another loan and apply through your My Account area.

We’ve made the process as quick and easy as possible by pre-populating the information you’ve already given us, therefore you won’t need to go through a full application again. Take note, all our loan applications are subject to credit and affordability checks. New customers can check their eligibility before applying for a loan

It's worth mentioning, checking your loan suitability will not impact on your credit file and gives you a quick indication whether or not your application for a loan would be approved.

Quick loan turnaround time

As soon as your application is approved, the money will be sent to you within roughly 15 minutes. Many banks credit your account within an hour, however, your bank should be able to advise you exactly when they credit your account.

Successful applicants’ fund's transfer to any valid UK bank. Take note, we are unable to transfer loan amounts to any pre-paid, pay-as-you-go, top-up debit and credit cards.

Customer Reviews & Testimonials

February 2019

The payday loan is enough to solve your problems.

Marina K
— London —

September 2018

Sunny cares about you and your financial wellbeing.

Harold M
— London —

December 2018

The application process is super easy and convenient!

Jane M
— Bristol —

November 2018

Amazing deals and services that actually make a difference.

Harry L
— Liverpool —

Sunny Loans Contact Details

Physical Address

  • Fortress House, Skyliner Way, Bury St. Edmunds East England United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:30 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 17:00
  • Saturday 10:00 – 15:30
  • Sunday 10:00 – 15:30