Sunshine Short Term Loans

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
Minimum Loan Amount$150
Maximum Loan Amount$2,000
Initial Maximium Loan Amount$2,000
Arrears Fee$30
Loan Term9-15 weeks
Cash Deposited In30 minutes - conditions apply
Costs20% of loan amount + 4% of loan amount each month
RequirementsMust earn a minimum income of $300 per week. Bad credit applicants considered. 50%+ of income cannot be from Centrelink
Available to Centrelink Borrowers?No


  • Fast approval
  • No credit checks
  • Low minimum borrowing amount


  • Arrears fee of $30 per week
  • Restrictive loan terms
  • Must earn a minimum income $300 per week
  • Can comfortably afford your advance on your current budget
  • Sole income must not be from Centrelink payments

Main points to consider with a short term loan from Sunshine Loans

You can apply for up to $2,000 and repay it over one to 15 installments, depending on the frequency of your pay. Sunshine Loans centre provide a quick turnaround with its loans and can offer solutions for those with negative marks on their credit file. Check the eligibility criteria at the end of this review to see if you're eligible.

Features of a loan from Sunshine Loans

  • Loan amount. You can borrow up to $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 Short Term Loans 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.
  • No credit history check. Sunshine Loans will not check your credit history when you apply through finder.
  • 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 payday 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: $30
  • Account arrears fee: $30 per week after loan completion date

How you can apply

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

  • You need to earn at least $300 per week
  • You have to satisfy that you can afford your repayments on your current budget
  • Your income cannot solely be from Centrelink payments

Sunshine Loans will not conduct a credit history check when you apply through finder.

Information you need to provide

  • Personal details. Your name, date of birth, driver's licence number and contact information is required.
  • Employment or Centrelink information. You'll need to list your employer's name and contact details or indicate that you receive Centrelink payments.
  • 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.
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108 Responses

  1. Default Gravatar
    SharnellSeptember 18, 2018

    How long does it take to process the loan application

    • finder Customer Care
      JoelSeptember 18, 2018Staff

      Hi Sharnell,

      Thanks for leaving a question on finder.

      If you have signed a contract offer before 4:30 PM QLD time your money has been transferred to the account you signed for. It should be available before 7:00 PM today QLD time.

      Unfortunately, they cannot give you an exact time as it will depend on your banks processing time.

      This is the Loan Payment Process:

      1. Apply for a loan and sign the contract before 4.30 pm QLD time on a business day.
      2. We will transfer your $$$ to your bank.
      3. Your bank processes the transfer
      4. The funds will be in your account by close of business, if not sooner.

      Please note that contracts signed on the weekend or public holiday’s will clear by the end of the next business day.

      Send me a message if you need further assistance.


  2. Default Gravatar
    HellielleApril 26, 2018


    I just want to know how do you proceeded with the Direct Debit because the money supposed to be debited yesterday but it is not the case. Can you clarify please?

    • finder Customer Care
      JeniApril 26, 2018Staff

      Hi Hellielle,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      I suggest that you contact Sunshine Loan Centres or your lender directly for any queries related to your transaction with them.

      There are instances that the direct debit possibly is just on pending that is why it hasn’t been debited yet or there are changes you made which would need some time before it process.

      You may also ask your bank if there’s any pending payment and if yes, ask them how long will it take to be completed.

      I hope this helps.

      Have a great day!


  3. Default Gravatar
    RachaelFebruary 5, 2018

    I’m just asking can I still get a loan if my pay goes in to my partners bank account thanks

    • finder Customer Care
      JoelFebruary 17, 2018Staff

      Hi Rachael,

      Thanks for leaving a question on finder.

      If you do not have a bank account, you can apply for a payday loan on a prepaid debit card. Here’s our guide about prepaid debit cards that can help you access your loan funds without a bank account or strong credit. if you are enquiring about Sunshine, they require bank account details. You may consider the lenders listed on the link I provided above. If you need anything else, please send us a message anytime.


  4. Default Gravatar
    TyreeceDecember 19, 2017

    Can I apply if I live in the state of Illinois?

    • finder Customer Care
      RenchDecember 20, 2017Staff

      HI Tyreece,

      Thanks for your inquiry.

      If you are referring to Sunshine loans, this is only available in Australia. You may click here for loan options in Illinois.


  5. Default Gravatar
    WillOctober 4, 2017

    Do you actually get your loan or is it some sort of scheme

    • finder Customer Care
      JudithOctober 5, 2017Staff

      Hi Will,

      Thanks for contacting finder, a comparison website and general information service.

      Once approved by the lender, you will receive your loan.

      You may compare your options on this page. You will also be able to read more useful information about short term loans which will help you in making a sound decision.

      I hope this helps.


  6. Default Gravatar
    ShellAugust 11, 2017

    I have just received 4 emails to say I have an approved loan with you, I’m in U.K.! I’ve never applied!

    • Default Gravatar
      LiezlAugust 11, 2017

      Hi Shell,

      Thanks for visiting finder, a general information and comparison website, not actually a lender. Kindly note that we do not represent Sunshine Loans or any company we feature on our website. I suggest you contact them directly and bring this to their attention. You may click the green “Go to Site” button above to get securely redirected to their website.


  7. Default Gravatar
    RoseannJuly 29, 2017

    I am a bit curious, is this available in the USA?

    • finder Customer Care
      RenchJuly 29, 2017Staff

      Hi Roseann,

      Thanks for your inquiry.

      Unfortunately, Sunshine loans are only available in Australia since you are looking at our finder AU site. You can have a look on our finder US site for short term loans by clicking here.

      Hope this helps.


  8. Default Gravatar
    DuaneJune 28, 2017

    Sunshine Loans state they don’t carry out credit checks yet in there criteria they say they do?

    • Default Gravatar
      JonathanJune 29, 2017

      Hi Duane!

      It’s a bit confusing, isn’t it?

      Sunshine Loans do a general credit check and are only requiring no major defaults on your credit history. This means, minor defaults which would usually turn you down automatically with other lenders, may be considered.

      If you want to know more detailed explanation, you may contact them directly.

      Hope this helps.


  9. Default Gravatar
    JayJune 23, 2017

    My money did not transfer into my account. I received an email stating my money would be on my account by 2:50 pm WA time and it’s a Friday will my money transfer tonight or on Monday?

    • finder Customer Care
      RenchJune 24, 2017Staff


      Thanks for reaching out to us. Please note that we are not affiliated with Sunshine Loans or any company we feature on our site and so we can only offer you general advice.

      According to Sunshine Loans, as long as your loan is approved and signed during normal business hours, the funds will be in your bank account on the same day during normal business hours. You might receive the funds on Monday if it didn’t come through yesterday.

      I suggest contacting Sunshine Loans directly to further inquire.

      Best regards,

  10. Default Gravatar
    mikaylaMay 12, 2017

    Hi i applied for a loan woth sunshine loans and was approved at 3:47pm NSW time today the 12th may 2017. I bank woth the commonwealth bank of Australia and received a message stating my momey would be in my account by 4:50pm NSW time. I have not yet recieved the funds and would like your reassurance that sunshine loans is a legit business. Thank you

    • finder Customer Care
      MayMay 12, 2017Staff

      Hi Mikayla,

      Thank you for your inquiry.

      Yes, Sunshine Loans is a legit business and is ASIC registered. You can confirm that by contacting ASIC.

      Basically, Sunshine Loans is one of the lenders that have a quick turnaround time in processing loans especially if you meet their given criteria. In case you’ll need to follow-up your loan funds you can contact Sunshine Loans directly. Please click the ‘Go to site’ button above to be redirected to their official site.


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