Sunshine Short Term Loans

Sunshine Short Term Loans

Sunshine Short Term Loans

  • Bad credit applicants considered
  • Fast approval service
  • Borrow up to $2,000
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100% confidential application

More info Go to site
What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • You'll be given a decision on your application from the lender and you could have the money in your account within 24 hours.
Click here to start your application >>

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 Term9-12 weeks
Turnaround time30 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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122 Responses

  1. Default Gravatar
    louiseMay 16, 2019

    My mobile phone is not working would you be able to email my four digit code instead of an sms

    • Avatarfinder Customer Care
      NikkiMay 17, 2019Staff

      Hi Louise,

      Thanks for your inquiry.

      While we have a review page for Sunshine Short Term Loans, We are not able to send over your 4-digit code. Our services doesn’t go beyond user account access. It would be best to reach out to Sunshine directly.

      I hope this clarifies!


  2. Default Gravatar
    PatrinaApril 1, 2019

    Can you borrow $3000 if so what would be the repayment weekly or if only $2000 what is the repayment?

    • Avatarfinder Customer Care
      JeniApril 2, 2019Staff

      Hi Patrina,

      Thank you for getting in touch with Finder.

      As per this page the maximum loan amount is $2000. You’ll find out more on your loan’s repayment details once it’s approved. After you click on the green go to site button, you will be redirected to Sunshine Loans’ official page where you may go through its FAQ/more info on their offered products as well start your online application.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    StephenMarch 28, 2019

    Can you please confirm if I apply through finder to source the funds through Sunshine Loans the enquiry wont show on my credit file?

    • Avatarfinder Customer Care
      JeniMarch 30, 2019Staff

      Hi Stephen,

      Thank you for getting in touch with Finder.

      I’m afraid that Sunshine Loans will not conduct a credit history check ONLY when you apply through Finder but not a guarantee that it will not show as credit enquiry. Please note that every time you make an application for credit, it’s listed on your credit report as a “credit enquiry“. It will be listed regardless of whether the application is approved or not.

      I hope this helps.

      Thank you and have a wonderful day!


  4. Default Gravatar
    CraigMarch 16, 2019

    I have just changed banks. Will this affect my application?

    • Avatarfinder Customer Care
      JoshuaMarch 17, 2019Staff

      Hi Craig,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Generally speaking, recently switching banks can affect your application. One reason is that most lenders require a 90-day bank account statement. They do this so lenders can ensure you’re in a stable financial situation and able to make repayments.

      It is worth noting that ASIC requires all lenders to check the last three months of statements from anyone looking to be approved for a loan. If the lender does not comply with this requirement, they may be risking their credit licence. Moreover, you should also avoid any lender who does not comply with ASIC since you are putting yourself at risk as well.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  5. Default Gravatar
    CraigFebruary 4, 2019

    Can I pay the balance of the loan early?

    • Avatarfinder Customer Care
      JasonFebruary 5, 2019Staff

      Hi Craig,

      Thank you for your enquiry.

      You may do early loan repayment with Sunshine Loans without any penalties or fees.

      To make a payment to Sunshine Loans, you may either call Sunshine Loans from 8:30am to 4:00pm QLD time, Monday to Friday, to make the payment by card or you may sign in to your Sunshine Loans online account at any time to request a balance and receive their payment information.

      Please feel free to get in touch with us through our online chat for any other questions.

      Kind regards,

  6. Default Gravatar
    HaydenDecember 22, 2018

    Will the loan I get approved for go in today Evan know it’s satuday

    • Avatarfinder Customer Care
      ValDecember 22, 2018Staff

      Hi Hayden,

      Thank you for leaving a question and reaching out to finder! Sunshine Short Term Loans states that they do have fast approval so long as all requirements are set in, application form correctly filled correctly and all eligibility requirements are met then even if it is a Saturday, they will get back with you as soon as they can. Hope this helps!


  7. Default Gravatar
    peterNovember 23, 2018

    I work seasonally every day from the 27 of dec to the 3rd of oct and its been approximately 44 days since my last pay day and I won’t be getting paid again till the 5th of jan and I’m finding it hard to find a lender that isn’t so strict on the 90 days, is there any lenders I could apply for a loan of 1500-2000 under this circumstance.

    Note: I can pay the whole loan off in the first month I’m back at work.

    • Avatarfinder Customer Care
      JoshuaNovember 26, 2018Staff

      Hi Pete,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      I’m sorry to hear about your situation. It is true that lenders can be strict when it comes to requirements. We do have a guide that could be useful for you. Please go to this page. On that page, you will learn how to be approved for a personal loan even if you have irregular income.

      Moreover, you may consider getting a guarantor to help you get a loan. If you have an asset to serve as a collateral, you may also consider this option.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  8. Default Gravatar
    SharnellSeptember 18, 2018

    How long does it take to process the loan application

    • Default Gravatar
      JoelSeptember 18, 2018

      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.


  9. 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?

    • Avatarfinder 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!


  10. 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

    • Default Gravatar
      JoelFebruary 17, 2018

      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.


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