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Choose the loan type you require then adjust the sliders to calculate the cost of your loan.

Representative Example

Representative Example: Loan amount of £100 repayable over 8 months. Total amount repayable £197.04 in 8 payments of £24.63. Interest 204% p.a. fixed. Representative 568% APR
Total Repayable


You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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Lender Overview

Sunny loans

Sunny are a short term loan lender based in London. As one of the UK's leading lenders, Sunny offer a flexible range of loan amounts and repayment options. You can settle a Sunny loan early and save yourself money or overpay every month if you wish to settle the loan quicker. Sunny also offer a unique 'cooling off period' giving you up to 5 days to change your mind, all you need to do is repay the amount you borrowed and they will not charge you a penny, all they ask is that you stick to a reasonable usage cap of doing this just once per month.

Sunny offer loans from £100 to £2500 over varying loan terms (larger amounts are available to borrow for longer periods).

When can I get my loan?

The Sunny website, where you can access your account and request new loans/make payments is open 24 hours a day and they fund new loans 24 hours a day also. This includes weekends and bank holidays. Once your loan is approved, funds are sent to your bank account free of charge via Faster Payments within 15 minutes. A Sunny customer is allowed a maximum of 3 loans at any one time.

How do I repay my loan?

A Sunny loan is repaid on your agreed date via your debit card. There's no need to do anything, Sunny will automatically collect your scheduled repayments.

What happens if I can't pay my loan on time?

If you are unable to make an agreed payment on your account, you should contact the team at Sunny as soon as possible. They can be reached on 0800 7315 432 or by emailing [email protected] Sunny will not charge you a late fee if you cannot make your payment on time and they'll work with you to get your account back on track.

Application Criteria

  • All applications for a Sunny loan will undergo both credit checks and affordability checks. Even if you have had a loan with them before, every new request for a loan is treated as a new application and will be subject to the same checks.
  • You must be over 18 years old
  • You must be a UK resident
  • You must have a UK bank account and a debit card
  • You must be employed with a net (after tax) income of at least £500 per month
  • You must have a mobile phone in order to receive a verification code via text message

How is this lender regulated?


Late repayment can cause you serious money problems. For help, go to The Money Advice Service
0800 7315 444