Sunny Cash Loans
Cash loans from £100–£2,500. 15-minute UK approval, representative APR 89%. No fees, soft credit search, flexible 3–36 month terms.
Sunny Cash Loans offers UK customers a convenient way to access cash quickly, with loans available from £100 up to £2,500. The product stands out for its rapid approval process—funds can reach your account in as little as 15 minutes after acceptance. The representative APR is 89%, with flexible repayment terms ranging from 3 to 36 months. No fees are charged by Sunny, and applying uses a soft credit search, so many applicants are not penalised on their credit score when checking eligibility.
How to Apply: Step by Step
- Complete a 2-minute online application with your basic details and requested amount.
- Sunny will run a soft credit check to find suitable FCA-authorised lenders in their network.
- View and compare loan offers side by side, checking all interest and repayment details.
- Choose your preferred lender and complete their application process, which may include a full credit check.
- If approved, receive funds by direct transfer—often within 15 minutes.
Key Advantages
Sunny Cash Loans makes it easy to compare multiple offers in one place without harming your credit score during your initial search. Quick approval and same-day transfer help in genuine emergencies, and with no fees or hidden charges, you know exactly what you’ll repay.
The flexible 3–36 month terms are a major plus, letting you choose repayment schedules that won’t overburden your budget. Many with less-than-perfect credit ratings also report positive experiences thanks to lenders who consider current circumstances—not just credit scores.
Potential Drawbacks
While the service is transparent on cost, the representative APR of 89% means borrowing isn’t cheap, especially if you spread payments over longer periods. Those with stronger credit may wish to check if they can access lower-rate options elsewhere.
Additionally, once you choose a lender and they perform a full credit check, your credit file will show this application, which could affect future borrowing.
Final Verdict
Sunny Cash Loans is a legitimate, efficient choice for urgent UK cash needs, especially for applicants prioritising speed and flexibility. Compare offers and ensure the repayments fit your budget before proceeding. Always consider if you genuinely need to borrow, as interest rates are higher than traditional loans.