Sunny Loans
Cash loans from £100–£2,500, 3–36 months, 15-min funding, representative APR 89%, soft check, no fees and FCA-authorised lending partners.
Sunny offers a cash loan brokering service for UK residents needing funds quickly, with a representative APR of 89% and loan amounts between £100 and £2,500. Terms are flexible with repayments from 3 to 36 months. All loans are provided by FCA-authorised lenders and the application is free of charge with no upfront or hidden fees. Initial eligibility checks use a soft credit search, so your credit score is not affected unless you choose to proceed with a lender’s offer. Approved applicants may receive their cash in as little as 15 minutes after final approval.
How to Apply: Quick Step-by-Step
- Submit an online application in about two minutes, detailing your needs and background.
- Sunny performs a soft credit check and matches you with suitable FCA-authorised lenders.
- Compare your loan offers—review rates and terms with no obligation.
- If you select a lender, complete their full application (this will leave a hard search).
- If approved, receive funds straight into your bank account, potentially within 15 minutes.
Key Pros
Sunny stands out by never charging fees to customers; brokerage is entirely free. The use of a soft search for eligibility means your credit score remains unaffected during the initial process, which is ideal for those concerned about their ratings.
With funding possible in as little as 15 minutes after approval and the ability to compare multiple offers at once, the convenience and speed can be crucial for those dealing with urgent expenses.
Potential Cons
The representative APR of 89% is higher than traditional loans, which can make borrowing costly, especially over longer terms. Actual rates may reach up to 1721% APR depending on your profile.
Also, not everyone will qualify for the full range of loan amounts and terms; approval and exact loan rates will always depend on personal circumstances and affordability checks.
Verdict
For UK residents who need fast access to funds and want the freedom to compare several offers with no credit score risk up front, Sunny cash loans provide a convenient brokered solution. While rates are high compared to mainstream lending, the service is highly rated and fully regulated. It’s suitable for emergencies or unexpected bills, but always borrow responsibly and only what you need.