Rating based on 46 reviews

Sunshine Loans

  • Quick cash loans up to $2,000
  • Apply and sign online
  • 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

Even the most sensible spender can experience financial difficulty or cash flow deficit and it is for these very moments, Sunshine Loans is there to assist.

Get a quick loan now

It is unnecessary to complete a list of forms to apply for a quick loan now. Sunshine Loans makes sure to provide you with a quick loan that can be done within no time. They offer quick loans to Australians to cover them in emergencies and help them get through a tough month. No need to fill in unnecessary documents and wait for ages to receive your credit. It can be done within minutes.

Their customers are a priority

At Sunshine Loans they care about their customers and therefore they always try to make their lives as easy as possible. When you apply for a quick loan with Sunshine Loans, they will make sure that you can get through the application process as quickly as possible and get your money on the same day.

Sunshine Loans Services

Sunshine Loans offer quick cash loans for up to $2,000 to all Australians who are employed and meet their basic credit and income requirements. 

Utilizing your quick loan

Sunshine doesn't mind what you spend your money on, from paying household bills to buying a new mobile after losing yours, you get to spend it as you wish.

Their emergency loans are designed to help you when you are experiencing a cash flow shortage or want to make a purchase or a trip you can't afford at the moment. Their only interest is in supplying you with the finance you need.

Quick cash loans_australia

Unlike most payday loan lenders, Sunshine Loans always have a wide range of communication lines available to their customers. If you have a question regarding a quick cash loan or perhaps you have something on your mind - contact Sunshine Loans and they will gladly assist you.

Sunshine Loans – Quick loan

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

Benefits of Sunshine Loans

  • A transparent loan service
  • Quick and easy loan applications
  • Flexible repayment terms

Quick loan calculator

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

Get your loan approval quickly and easily with Sunshine Loans

As an Australian-owned company, Sunshine Loans brings simple, fast and affordable short-term loan solutions to average Australians.

With Sunshine Loans, you can apply online as well as get conditionally approved within minutes and have your online loan credited on the very same day!

Minimum requirements for quick easy loans

Sunshine Loans require you to be 18 years old or above, an AU citizen as well as be employed at a job that brings in a regular income that can be demonstrated by payslips and bank statements.

You must provide the following documents when applying;

  • An ID,
  • 90 days bank statements,
  • Recent payslips and
  • Proof of address.

Sunshine Loans are required by law to ensure their customers can afford the quick loan that they are applying for. Therefore they must conduct a credit and affordability check. 

Although they must run a credit check, it does not mean because you have a bad credit score that they will turn you away. As long as you can demonstrate that you can afford to make the necessary repayments on the loan, you will be approved anyhow.

Bad credit - use Sunshine Loans

At Sunshine Loans they patiently approach each emergency loan application individually to ensure that they are fair and reasonable when making lending decisions. If you meet the requirements as listed above, you can then proceed to fill out their online loan application form which should take you less than 5 minutes.

Sunshine Loans will ask you how much you want to borrow and for how long as well as for your personal and contact information, and your employment and income specifics.

Fast loans at Sunshine Loans

To apply for a loan online all you need to do is fill out one of their simple application forms which are available on their website. From your personal and employment information to your income and expenses, they will gather everything they need to process your online loan application efficiently and instantly.

The form should take you no longer than 5 minutes to complete which will allow your loan to be credited into your active AU bank account within 60 minutes after signing the loan agreement form.

No need to visit your local bank, wait in a long queue or fill up lots of paperwork - just open your internet browser, fill in their simple loan application form and you'll have cash in your account within an hour!

Sunshine will set up an automatic debit to retrieve the quick loan repayment directly from your account on the same day that you get paid by your employer - so you don’t need to worry about making deposits or forgetting them. You get to be in charge of your finance every day!

man holding thumbs up

Sunshine Loans is a trusted & reliable provider of quick cash 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

February 2019

Sunshine Loans will never give you a loan without looking at your monthly budget first.

Matilda R
— Maitland —

March 2019

Sunshine Loans gave me a loan when I was at the verge of throwing in the towel.

Ryan T
— Cairns —

June 2019

Applying for the Sunshine Loan took me ten minutes to complete.

Peter P
— Perth —

Sunshine Loans Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

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