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Get fast loans up to $1,000

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Fast cash loan online?

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, regulated by the Texas OCCC, and registered as a Credit Services Organization with the Secretary of the State of Texas #20200018

Easy process. No paperwork. Get Funded Instantly*

 Example of a small amount loan

Our installment loans are $1,000 or less with a maximum of 180 Days. Use the slider above to estimate your repayments. We match your repayments to your pay cycle.

By way of example, a loan of $400 over 5 bi-weekly periods would have 5 bi-weekly repayments of approximately $157.10. The total repayable is therefore approximately: $157.10 x 5 = $785.50.

Loan repayments you can afford

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 be employed (we cannot help you if the majority of your income is from government benefits ), 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*

Apply for a fast loan in minutes

We offer small installment loans from $100-$1,000. Repayments are withdrawn from your account via ACH debit on the day you are paid either weekly, bi-weekly, semi-monthly, or monthly.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*

Why Sunshine Loans?

We’re a fast loan provider

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.

We’re totally online

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 are committed to responsible lending

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.

We care about customer service

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.

Your credit history isn’t perfect

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.

Who can apply?

We have a few essential requirements to be eligible for a Sunshine Loan. You need to:

• Be 18 or older

• Be a resident of Texas

• Have a regular income stream

Types of fast loans

Our business is a Credit Services Organization registered with the Secretary of State in

Texas, registration number 20200018. Our loan products are classified as installment

loans, and are also commonly referred to as personal loans, cash advances, and short-term loans.

Installment loans are small unsecured loans extended for short periods to cover customers in the event of a temporary cash short fall. Our installment loans range from $100 – $1,000 and are typically repaid via ACH debit in ten equal weekly (or five bi-weekly) installments. Customers typically use these loans to pay for unexpected bills, repairs, or simply when they find they have been left short till next payday. The application process is fast, the money paid within seconds of approval and usually received instantly*, and although you must receive a regular income for an installment loan, an absolutely clean credit history is not mandatory.
A Cash Advance loan describes a loan that is typically less than $500 for eight weeks. They work the same as installment loans in that your repayments are debited from your account on payday, and the funds are usually available for withdrawal on the same day*. Whilst your final assessment is done by a Sunshine Loans credit officer, there is high degree of automation in collecting your application information, gathering your bank statement data, and scheduling your repayments. This makes for a speedy approval and aims to get the money in your hand faster.

Fast and hassle-free, emergency loans typically cover medical or vet expenses – unexpected matters that need to be dealt with high priority. Your repayments are typically made via ACH debit on the same day that you receive your income, and subject to your previous lending history these loans can carry over a longer period (to keep each individual repayment lower) when the need arises. To apply for an emergency loan simply use our online application form, have your phone and bank details to hand, and know the size of the repayments that you can comfortably afford.

Our short-term loans are for a minimum of 30 days. All of our loans are repaid via installments. Most commonly our loans are structured over two - three months, and this is what customers usually mean when they talk about short-term loans. We offer $100 – $1,000 loans from 30 days online, and structure the repayments to be withdrawn from your account, generally via ACH debit, on the day that you are paid. The online application only takes a few minutes.


Sunshine Loans personal loans are unsecured loans up to $1,000 available to cover near term expenses that will be larger than normal. Repayments are deducted from future income payments in manageable installments to try smooth the effect of this one-off event. To apply for a personal loan, use the online application and be ready to verify your bank statements so that your assessment can be carried out promptly. A personal loan at Sunshine Loans is usually for a larger amount than a payday loan and considers your previous repayment track record with us.
Sunshine Loans is one of Texas’s newest online providers of quick cash loans. To ensure the service we offer is world class, we scoured the globe to find the best possible systems to ensure you don’t wait a minute longer than you need to, to get your money. To apply for a quick cash loan simply use our online application form, have your phone and bank details to hand, and know the size of the repayments that you can afford. The process is fast, the money paid within the hour and usually received the same day, and although you must have a steady income, you don’t need a perfect credit history.
State Law Disclosures: MoneySpot USA, LLC dba Sunshine Loans is licensed as a Credit Access Business (CAB), License No. 2000066081-163865, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20200018, by the State of Texas. All loans for which Sunshine Loans acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by Sunshine Loans.
High-Cost Disclosure: Loans arranged by Sunshine Loans have a high APR and should not be used as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
^Applications are subject to verification criteria and not all applications are approved.
*Loan Disbursement: For loans funded via debit card, funds are sent to the bank account linked to your debit card immediately after your loan is approved and you accept our offer. Delays may occur due to circumstances beyond our control.
If we’re unable to validate your card, or you do not opt into this service, funds will be sent via ACH deposit. Loans approved before 11:30am on a business day will typically be funded on the same day, otherwise funds will be deposited by the next business day. All funding cut-off times are subject to change. The date and time funds are made available to you by your bank are subject to your bank’s policies.