How it Works

How it works in 3 easy steps

We know life doesn’t always go as planned, so we’re here to help by making our service as simple, fast and transparent as possible. Apply for an online cash loan in 3 easy steps.


Online application

Apply using our online loan calculator and application form. We’ll only ask you for essential information that will enable us to assess your application.


Quick approval process

We’ll verify your information and outline the terms of your loan, which you can e-sign online. It takes just minutes to complete


Money in your account

Once you’ve e-signed your loan offer, we’ll carry out a few final checks. Once approved, Sunshine Loans will typically send your money instantly*.

Easy Process. No Paperwork. Get Funded Instantly*

Get the all clear

Before offering you an online cash loan, we are required by law to make reasonable enquiries regarding your ability to repay it. After seeking your permission to do so, our online system analyses your financial information and makes a decision in minutes.

Easy Process. No Paperwork. Get Funded Instantly*

Are You Eligible?

You must be a resident of the state in which the product is offered. You must be over 18. You must have a steady, regular income stream.

Easy Process. No Paperwork. Get Funded Instantly*

Up To $2,000 As Soon As The Same Day*

Loans approved before 11:30am on a business day will typically be funded on the same day.

Easy Process. No Paperwork. Get Funded Instantly*

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.