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.
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.
We’ll verify your information and outline the terms of your loan, which you can e-sign online. It takes just minutes to complete
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*.
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.
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.
Loans approved before 11:30am on a business day will typically be funded on the same day.