Frequently Asked Questions

Applications and Approvals
Our application process is totally online. It allows us to process your application faster and get money to you sooner. The information we ask for is designed to satisfy the regulatory obligations we have without overburdening you with detailed requirements. It’s fast, easy, and convenient. You can apply now in just 5 minutes.
You apply online via our website at www.sunshineloans.com. You can also access our service with any mobile device.
It is an online service and can receive loan applications 24/7.
Am I eligible for a loan? To apply for a loan product, you must:
• Be of legal age to contract in your state of residence
• Be a US citizen or permanent resident
• Be a resident in the state where the product is offered
• Have a checking account
• Have a steady source of income
• Have a valid cell phone number and an active email address
You need to demonstrate a regular income stream to be eligible for a loan.
In most cases, we will carry out a soft credit check during the application process but that doesn’t mean that if you have had problems in the past, we’ll automatically reject your application. We’re more interested in your recent history and your current capacity to repay the loan.
We need to do a few things: we need to verify you are who you say you are; we need to do some basic credit enquiries; and we need to check you can afford the loan you’re asking for. In the past, this would take days to complete, however recent advances in technology have allowed us to carry out these enquiries totally online, in a secure manner. During the Application process we will ask to enter the following information:

- Your driver’s license number.
- A valid cell phone number.
- Your banking details.
Ultimately, this will help us ensure that you do not fall into difficulties in making the repayments due under a loan or incurring further costs and charges.
No person can access your internet banking details. When you enter your banking credentials on our website they are immediately encrypted. The encrypted details are stored in a highly secure data center which has a single use, to generate a read-only data-feed which we will use to assess the affordability of the loan.
As an organization, security of data and prevention of fraud are fundamental to us. Your internet banking details are encrypted and held securely by our professional service providers. Ourselves and our providers, Plaid and Decision Logic are permitted read-only access to your current account/s, so we'll only ever be able to view your account/s. We do not have the ability to change any of your banking details or set up standing orders/direct debits. All data is securely handled in accordance with data protection laws and our privacy policy.
They will be used by us to make lending decisions about you and stored by us as long as necessary to assist us in managing your account.
We would recommend that you review the Terms and Conditions of your internet banking provider. Before you decide to submit your banking credentials, we stress that security is of paramount importance, we would especially mention that:
- Your data is encrypted in transit.
- We do not have any functionality over your bank account
- We only have access to a read-only service.
The application process typically takes just a few minutes, and an outcome is generally given within the hour during business days, and within a day, outside of business hours.
Sunshine Loans is an online business. If we need further information or you need to contact us, you can do this using the following details: Telephone: (800) 504-9776 Email: [email protected]
After accepting your loan offer and successfully validating your debit card, funds are typically sent immediately* to the bank account linked to your debit card. There's no need to wait for banks to process them - we've got you covered 24/7.
In the event you're unable to validate your debit card, we'll send funds to your bank account via ACH deposit. If approved before 11:30am CT, funds will generally be available the same day. Loans approved after 11:30am CT and on weekends are typically available by the next business day.
Fees and Repayments
Our costs are straightforward and are shown in the Rates & Terms section of our website. Other fees and charges may apply in the case of late payment or default.
Importantly, contact us as soon as you realize you may have difficulty repaying us on time. There are additional charges as outlined above that may be payable on outstanding balances.
Direct debits usually occur overnight or pursuant to your bank's processes. We’ll usually try to schedule your repayment the day your salary or benefit is credited to your bank account.
Loan Features
Yes, you can. There are no early payment penalty fees or charges, and you may even be eligible for a discounted payoff amount.
Yes, you can. If you have repaid your previous loan, there may be benefits as a repeat customer, including larger loan amounts and longer repayment terms.
Informational Security
Your privacy and security is important to us. We employ the same standards as banks and other online payment companies to ensure that your financial information is safe and secure.
All information is entered through a Secure Socket Layer (SSL), which means an encrypted connection is created between your system and ours so that any information passed between us is secure.
Only if we specifically ask if it’s OK and you agree to it.
Only information that is essential for us to do business with you.
No, we are an online service only.
While we strive to provide you with the best service in the industry, sometimes things don’t go as planned. If you choose to make a complaint to us, please call or email us at: Email:[email protected] Telephone: (800) 504-9776 We’ll reply to your complaint within 48 hours either requesting further information and/or setting out a process and timeframe to resolve it. We’ll also provide you regular updates so you know it is being acted on.

Why Choose Sunshine Loans?

Fast application


An application typically takes less than 5 minutes to complete. We process your loan a short time later with the money on its way to your bank account usually on the same business day*. That’s a seriously fast loan.

100% online


You don’t have the time 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.

Money in a hurry


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.

A fair go


You generally do the right thing and pay off your debts. We won’t penalise you because you’re credit file isn’t perfect. What we look for is a recent history of repayment and affordability.

We’re responsible


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. See the FAQ for more information.

Customers first


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.

Easy Process. No Paperwork. Get Funded Instantly*