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Sunny Now Payday Loans vs
Lending Stream Short-Term Loans

If you're already convinced we're a clear payday loan alternative, head to Lending Stream to see how we can help you today. But we still have more data that explains why Lending Stream is the better choice.

Let's compare Lending Stream to Sunny Now loans in terms of representative APR. Sunny Now loans have a higher representative APR at 1299%, compared to our 1325%. While both of our fixed interest rates are at 292% per year, their higher representative APR means you could end up paying back more than you would with a loan from us.

(If you want to brush-up on what representative APR means, don't worry, see our representative example.)

We also offer a streamlined service. Once we've approved your loan, the cash will be transferred to your account within fifteen minutes*, so you can get on with your life. You can rest assured we won't charge you any cheeky application fees or transaction fees either.

When you have successfully opened an account with us, you could be free to apply for up to £1500. This level of trust only comes with Lending Stream. If you go with a Sunny Now loan, you'll miss out on our impeccable service and stress-free system.

Let the reviews speak for themselves


This is the best on-line short term loan company I have ever used. Fantastic Website easy to use and with the mobile app you will never loose your way with payments. Thank you for all of your help with my short term loan needs. One very happy customer
by Mark, 14th Nov 2015
Read more here

Online Applications
Online
Applications
Apply online anytime - no need to visit a store.
Apply online anytime - no need to
visit a store.
15 minutes Money Transfer*
15 minutes Money
Transfer*
We can initiate fund transfer process within 15 minutes* of approval.
We can initiate fund transfer process within 15
minutes* of approval.
No Hidden Fees
We don't charge an application fee or transfer fee.
We don't charge an application fee
or transfer fee.

We aim to be 100% transparent with our process.

We're proud to be a no-fee loan. We don't charge any application or transaction fees. You'll know exactly how much your loan will cost, and what you'll be charged if you don't repay on time. We have a team of customer care representatives you can reach by phone or email if you have any questions.

Finally, there's flexibility to consider.

We initiate the cash transfer process within 15 minutes* of being approved. We let you pay back in instalments, and we won't charge you for paying back early. After your first loan with us, you can apply for more. We trust you because you trust us.

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.