Sunny Cash Loans are designed for UK residents needing quick funds directly into their bank accounts. You can borrow between £100 and £2,500 and repay over 3 to 36 months. The representative APR is 89.9%, with rates varying by your credit profile. There are no fees from Sunny, and you’ll know costs upfront. The online process uses a soft credit check, so your credit score is not impacted until you proceed with a lender’s offer.

How to Apply: Step by Step

Applying for Sunny Cash Loans involves a simple process. Complete the online application, providing your details, the amount you wish to borrow, and your monthly income. Sunny then matches you to FCA-authorised lenders using a soft credit search. Review and compare your offers with no obligations. If you select a loan, a hard credit check is performed, and upon approval, funds are sent—sometimes in just 15 minutes.

Pros

Sunny stands out for its fast, hassle-free process and immediate decisions. Flexible loan amounts and terms let you borrow only what you need and spread repayments to fit your budget. The service is free, with no brokerage or application fees. The soft credit check protects your credit rating while you consider your options.

Cons

The main downside is the relatively high representative APR, making these loans more expensive than traditional personal loans for some borrowers. Approval is not guaranteed, especially if your financial circumstances do not meet lenders’ responsible lending criteria.

Verdict

Sunny Cash Loans provide quick access to funds, responsible eligibility checks, and flexible repayment. They are well-suited for urgent costs, but always consider affordability and compare all alternatives before committing.