Rating based on 54 reviews

Sunshine Loans

  • Payday loans up to $2,000
  • Fast payday loans
  • Low-interest starting from 4%

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Sunshine Loans homepage
Author Sunshine Loans. Screenshot of Sunshine Loans website.
[Accessed March 16, 2023]

About Sunshine Loans

Get some sunshine for a rainy day!

At Sunshine Loans you will be dealing with a helpful, honest, cheerful, and informative team of highly trained experts that is ready to exceed your expectations.

They are a responsible lender that works fast to get you what you need quickly and stress-free. An Aussie-owned and operated company that has been brightening rainy days since 1999. Enjoy a paperless process with swift assessment tools designed to make the process as easy as possible.   

How much you can borrow 

Sunshine Loans specializes in loans between $150 and $2,000 to bring some light on your rainy situation. You can generally pay back this loan within 9 weeks, but you also have the option of paying it off sooner without any penalty fees.

Applying will only take you about 5 minutes, their expert team will then assess your application and send back a loan offer to you that you can accept electronically if you are pleased and ready to receive the funds. The cash will only take about 30 minutes to reflect in your bank account during business hours.

No interest fees

Access a payday loan that will tide you over until your next payday without having to pay interest rates as they only charge an affordable flat fee. You can apply from any device at any time as they are 100% online and do not require any faxes or paperwork. The money should be available to you before 07:00 pm QLD time if you’ve signed the loan contract before 4:30 pm, that is how fast they are!

Sunshine Loans Services

Access an amount between $150 and $2,000 to help you through the month and pay it back on your next payday or in installments stretching over about 9 weeks.

The great part is that they only charge a flat fee and no interest which makes it more affordable. The amount you can borrow will be determined by your salary and credit profile, but don’t panic if your score is not that good as they are not extremely strict with payday loans as it is a fairly small amount to help you out over a short period. 

Start your journey right

Starting a new business can be challenging. That's why it is so important to have the right finance in place so that you are prepared and able to succeed.  Kick-start your new venture and get the cash you need to reach your goals.

Loans  for those that are between jobs  

It can be difficult to access the cash you need when you don’t have a full-time income. Maybe you are relying on a combination of earned wages and welfare benefits, and have been declined by other lenders. Try Sunshine Loans as they might just be able to help you out with a little sunshine on your rainy day.

Affordable bad credit loans

In need of cash but you are worried about your credit score? Sunshine Loans is a company that understands that life happens and can offer you a bad credit loan and will look at your profile with the reasons that caused your credit rating to be bad in mind for them to consider assisting you with the money you need.

Sunshine Loans – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 4%
  • Loan Amount up to $2,000

Benefits of Sunshine Loans

  • Reliable lender
  • Quick and easy loan applications
  • Flexible repayment terms

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Sunshine Loans – Get a loan today, save for tomorrow

Here’s what you need to be eligible

  • 18+.
  • Bank statements
  • Proof of ID
  • An income or a combination of incomes of at least $300 after tax per week.

Steps towards a sunnier day

Step one: Get the financial help you need by filling out a quick online loan form, this will only take about 5 minutes. 

Step two: sit back and relax for a few minutes while they assess the information you provided.

Step three: If you applied within business hours, you will receive the money on the same day, sometimes it will reflect in your account within only 30 minutes.

Why Sunshine Loans? – great benefits!

  • They are responsible lenders that will make sure that you can comfortably afford the loan they approve for you.
  • Straightforward loans with a quick and easy application process.
  • You can apply 24/7 as their process is completely online.
  • Receive funds on the same day.
  • Apply in only 5 minutes.
  • Friendly, informative, and skilled staff.
  • 100% Australian-owned and operated.
  • No interest fees, only a basic flat fee.
man holding thumbs up

Sunshine Loans is a trusted & reliable provider of payday loans

In our review, Sunshine Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Sunshine Loans is a registered credit provider in Australia: ACL 390556

Customer Reviews & Testimonials

June 2019

The perfect little loan or large one and that is why they work for me if I need a 150$ or 1000$ they will give it to you.

Thomas B
— Perth —

February 2019

Great customer service! I am happy to say that they truly care about and will always go above and beyond to help you get the best service.

Sarah N
— Melbourne —

Sunshine Loans Contact

Physical Address

  • 50 Cavill Avenue, Surfers Paradise Gold Coast QLD 4218 Australia
  • Get Directions

Postal Address

  • PO Box 111, Pacific Fair, Queensland, 4218, Australia

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours