Looking for Sunny Loans?

Are you searching for a Sunny short-term loan? If so, you probably wanted to do a bit of extra research - which is exactly what we like to see. Lots of short-term lenders hope you won't compare them with the competition. We're the opposite - we think that we'll offer you a good deal and great service that you won't get elsewhere.

Oh, and we're faster.

And we charge the same maximum daily rate as a Sunny loan
(0.8% per day).

Maybe that's also why we've got the highest TrustPilot score of anyone in our industry.

If you want, you can just start your application now.

Representative 1325% APR

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

But if you want to find out more, that's fine too.

Accurate as of 06/03/2018
Minimum Loan amount
Existing customers can apply for up to
Speed of online transfer
Daily interest rate
Star rating (Trustpilot) from 10
Within minutes*

6 month
15 min


How Sunny loans work

When you apply with Sunny, you fill in an online application form. You can apply to borrow money which you repay with monthly instalments. You can borrow for as little as 6 months to as many as 14 months, as a longer-term alternative to payday loans.

The representative APR changes, depending how long you take out the loan for (it's lower for longer loans - if you're not sure why this is, find out about APR). Just because you apply for a loan with a lower representative APR doesn't mean you'll always get that rate if you're approved - all applications are subject to a credit check. You may receive a higher rate if you're looking for a bad credit loan, when your credit history isn't as strong as other applicants.

How Lending Stream quick loans work

We only offer six-month loans. If you apply and are approved, you'll get a loan that you repay over six months. You'll get an instant decision and we'll send the cash to you in minutes*.

And if you want to repay earlier, that's fine. We won't charge you any extra for that and it's easy to do.

You can find out more about how Lending Stream works here.

Loans like Sunny

If you're in need of some cash and looking at a six-month loan (or shorter or longer), it might be worth looking at Lending Stream. We offer a flexible approach to lending, since you can take as much control over repayments as you want.

Used us before? If so, then you can also apply for more over six months with Lending Stream than you can with Sunny Loans. In fact, you can apply for up to £1,500, instead of Sunny's £1,000.

Representative 1325% APR

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

Let the Reviews Speak for Themselves

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Apply online anytime - no
need to visit a store.

Money Transfer in

We can initiate fund transfer process within minutes*
of approval.

No Hidden

We don't charge an application
fee or transfer fee.

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 1325%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total, there are no additional fees.