Sunshine Loans is committed to providing you with a hassle-free solution to your short-term borrowing needs. Our installment loans are designed to help you over a difficult patch typically a 10-week period. We are 100% online, processing applications 24/7, and are state regulated.
Easy process. No paperwork. Get Funded Instantly*
We work with you to set up a repayment schedule that works with your pay cycle, generally in weekly, bi-weekly payments. You can always make early repayments or completely pay off your loan early with no additional fees or charges and you may even be eligible for a discounted payoff amount.
Our responsible lending principles aim to provide you with loan repayment schedule that you can afford. You can also use our cash loan calculator above to work out your approximate repayments before you apply. You must have a regular income stream and you will need to download your bank statements via our online application form, so make sure you have your bank details on hand before you start.
Easy process. No paperwork. Get Funded Instantly*
We offer small installment loans from $100-$2,000. Repayments are withdrawn from your account via ACH debit on the day you are paid either weekly, bi-weekly, semi-monthly, or monthly. The application process is simple and only takes a few minutes. During business hours we typically process and approve applications in less than 60 minutes. Depending on your funding method and who you bank with, the money can be with you immediately after final approval*.
Easy process. No paperwork. Get Funded Instantly*
Our application form should take you no longer than 5 minutes to complete. Usually, we’ve processed your loan a short time later with the money on its way to your bank account within minutes of acceptance. That’s a seriously fast loan.
You don’t have the time these days to deal with manual loan processes. Get your bank details and ID together and you’re ready to go. You can apply 24/7, we’re always open. We understand things don’t always go as planned, things are getting tough, and budgeting doesn’t always work out when unexpected things happen. Our cash loans are not like credit cards or other forms of revolving credit, you get the money fast, you pay it off fast, and that’s it. If you need us again, just login and apply for an even faster loan.
We take our obligations seriously and we don’t want to lend you money if you can’t afford to repay it. This takes our total focus every day.
Just because it’s a small loan, it doesn’t mean it’s not important. If you need to know your current balance, the status of your loan, your repayment dates or get another loan, then you can log onto our secure client area and it’s all there. Alternatively, you can call (800) 504-9776 or connect with us via chat during business hours.
You generally do the right thing and pay off your debts and sometimes that takes time. We won’t penalize you because you’ve had some bad luck and your credit file isn’t perfect. What we look for is a recent history of repayment and affordability.
We have a few essential requirements to be eligible for a Sunshine Loan. You need to:
• Be 18 or older
• Be a resident in the state where the product is offered
• Have a regular income stream
Our loan products are state regulated, classified as installment
loans, and are also commonly referred to as personal loans, cash advances, and short-term loans.