Sunshine Loans Short Term Cash Loan

Information verified correct on October 21st, 2016

Pay for your bond, get a payday advance or find quick cash – all with a no credit check loan from Sunshine Loans.

Do you need quick access to financing? Sunshine Loans may be the short term lender you've been looking for. They offer small loans with an easy-to-understand fee structure that you're able to repay in line with when you get paid. If you're in search of an easy financing solution, consider what Sunshine Loans has to offer.

Product NameSunshine Short Term Loans
Min Loan Amount$150
Max. Loan Amount$2,000
Initial Maximum Loan Amount$1,200
Loan Term9 weeks
Arrears Fee$35
Turnaround Time30 Minutes - conditions apply
Total Cost of Borrowing $10020% of loan amount + 4% of loan amount each month
RequirementsYou must be employed to be able to apply for a loan with Sunshine Loan Centres.
Available to Centrelink borrowersNo


  • Fast approval
  • Flexible repayments
  • No Credit Checks


  • High repayment amounts
  • Arrears fee of $30 per week
  • Can be expensive to borrow small amounts of money

What do you need to know before borrowing from Sunshine Loans

Apply for between $150 and $2,000 and repay it over one to four installments, depending on the frequency of your pay. Sunshine Loans centre provide a quick turnaround with their loans and can offer solutions for those with negative marks on their credit file. Check the eligibility criteria at the bottom of this page to see if you're eligible.

Five important features to consider

  • Loan amount. You can borrow between $150 and $2,000.
  • Turnaround time. If you apply on a weekday, your loan can be processed quickly and you can see your loan amount arrive in your account on the same day.
  • Loan purpose. What do you need the loan for? A Sunshine Loans payday loan can be used to finance a range of things, from shortfalls in your cash to unforeseen medical expenses, car repairs, large purchases or even rental bond.
  • Credit history check. Sunshine Loans will generally conduct a credit history check, but you can still be approved with bad credit.
  • Repaying your loan. Your repayment structure will depend on the frequency at which you get paid. For instance, if you get paid weekly, Sunshine Loans will organise your repayments to be spread over three to four installments to ensure it's manageable. If you are paid fortnightly or monthly, your repayments will be structured across one or two repayments. Repayments are generally made via a direct debit, but you can also make manual payments via BPAY, bank transfer or by making a bank deposit.

How much will a Sunshine Loan cost?

It's important to check your loan contract to see your repayments structure and ensure you will be able to manage your loan. Below is an outline of Sunshine Loans fee structure:

  • Establishment fee: 20% of the amount borrowed
  • Monthly fee: 4% of the amount borrowed

If you fail to make your repayments on time you may be charged other fees. These can include:

  • Late payment/rescheduling payment fee: $35
  • Account arrears fee: $30 per week after loan completion date

How you can apply

If you're looking to borrow between $150 and $2,000, you can click "Go to Site" to get your Sunshine Loans application started. First, check if you're eligible:

  • You must be employed
  • You need to earn at least $450 per week
  • You have to satisfy that you can afford your repayments on your current budget
  • You can't have any major unpaid defaults with other lenders

Information you need to provide

  • Personal details. Your name, date of birth, driver's licence number and contact information is required.
  • Employment information. You'll need to list your employer's name and contact details.
  • Financial information. Your income and expenses, including your wages (after-tax), pension and rent or mortgage are required.
  • Loan purpose. The amount you're looking to borrow as well as the purpose is required in your application.
  • Primary bank account details. Sunshine Loans needs the name of your bank, your account name, BSB number and account number.

Warning about Borrowing

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

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74 Responses to Sunshine Loans Short Term Cash Loan

  1. Default Gravatar
    Thomas | October 3, 2016

    I want to know about my status of my application?

    • Staff
      Elizabeth | October 4, 2016

      Hi Thomas,

      The applications are handled by Sunshine Loans so you will need to contact them to enquire. You can fill out an online form on its website or give them a call.

      Hope this helps,


  2. Default Gravatar
    Olimpia | September 26, 2016

    I need $2000.00 loan

    • Staff
      Elizabeth | September 26, 2016

      Hi Olympia,

      You can click “Go to Site” if you’re looking to apply with Sunshine Loans. Make sure you meet the eligibility criteria before you submit your application.



  3. Default Gravatar
    Steve | September 16, 2016

    When do I get my money had signed contract hours ago now it’s the end of the business day and nothing, they even told me in writing it would be today

    • Staff
      Elizabeth | September 20, 2016

      Hi Steve,

      There may be a delay due to bank processing times. It would be best to contact Sunshine Loans directly to find out if your money has been sent.

      I hope this helps,


  4. Default Gravatar
    Gerard | September 11, 2016

    I was just wondering if i applied for a certain amount of money and got paid but haven’t payed the first payment yet. But i need more money can i apply for more

    • Staff
      Elizabeth | September 12, 2016

      Hi Gerard,

      Unfortunately you need to pay your current loan back first before you can apply for another loan.



  5. Default Gravatar
    Conrad | September 8, 2016

    How do I repay loan??

    • Staff
      Anndy | September 8, 2016

      Hi Conrad,

      Thanks for your question.

      If you have a Sunshine Loans Short Term Cash Loan, you can make repayments through a direct debit, BPAY, bank transfer or by making a bank deposit.


  6. Default Gravatar
    Conrad | September 7, 2016

    If I repay my loan back weeks early can I then apply for a larger loan ? How soon after its payd back early?

    • Staff
      Anndy | September 7, 2016

      Hi Conrad,

      Thanks for your question.

      With Sunshine Loan Centres, if you are a previous customer, applying for another loan is easy as they already have your information on file. As long as you have already finalise your loan, you can apply for a new one. You just have to make a phone call to reapply although there is also an online form for previous customers.


  7. Default Gravatar
    Joshua | August 9, 2016

    Hi I’m just wondering what the go is I applied for a loan and got approved I signed my contract and still waiting to see the money in my bank

    • Staff
      Anndy | August 9, 2016

      Hi Joshua,

      Thanks for your comment.
      If your loan application with Sunshine Loan Centres has already been approved, you could receive the money in your account within 24 hours. If not, I suggest that you directly call the lender to inquire about the status of your loan proceeds.


  8. Default Gravatar
    Avinash | August 1, 2016

    Hi.. just want to know about buddy loans… i work full time but the only problem i get paid cass in hand for the moment. .. but i can have a friend with proof of his full time work and property on his name

    • Staff
      Elizabeth | August 2, 2016

      Hi Avinash,

      As long as you and your “buddy” meet the criteria you are eligible to apply for the loan. Buddy Loans will chat to you and your friend over the phone to make sure you understand how it works and then you will be assessed for the loan.

      You can apply on the Buddy Loans website.

      I hope this helps,


  9. Default Gravatar
    Pratham | July 28, 2016

    I want to loan, but I don’t have a vic roads driving license, I have a international passport .

    • Staff
      Elizabeth | July 29, 2016

      Hi Pratham,

      You’ll need a driver’s licence number or an 18+ card to apply with Sunshine Loans. However, you might be able to contact them directly to discuss your situation as a passport may be sufficient to show your identity.

      If you find you aren’t eligible to apply with Sunshine Loans you can compare your other options on this page.

      Hope this helps,


  10. Default Gravatar
    ty | July 9, 2016

    I was wondering if my loan will go through today

    • Staff
      Elizabeth | July 11, 2016


      Sunshine Loans processes loans during normal business hours, so if you submit your loan on the weekend or on a weeknight you should expect to receive it the next business day (if approved).

      I hope this helps,


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