Sunshine Short Term Loans

Sunshine Short Term Loans

• Bad credit applicants considered
• Fast approval service
• Borrow up to $2,000

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.

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.

• Warning about Borrowing

  Do 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.