Rates & Terms – Texas

Consumer Disclosure

Fee Schedules and OCCC Disclosure

Texas Licenses

Texas Credit Access Business License

Texas Credit Services Organization License

Online Installment Loan Questions:

How much money can I borrow?

Texas residents may be eligible to receive up to $2,000 with an online installment loan from Sunshine Loans.  If you repay your installment loan early or as scheduled, you may be eligible for a larger loan amount the next time you need an installment loan from Sunshine Loans.

Can I receive funds the same day?

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 choose 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.

Can I pay off my loan early?

Yes, you can. There are no early payment penalty fees or charges, and you may even be eligible for a discounted payoff amount.

I don’t live in Texas; can I still apply for an Installment loan?

To be eligible for a Sunshine Loans installment loan in Texas you must be a resident of the state and meet the other eligibility requirements. If you are a resident of another state you may apply for any loan product offered in your state of residence.

Who can I talk to if I have additional questions?

If you have additional questions you can refer to our FAQ page, contact a member of our customer service team at (800) 504-9776, or email us at [email protected]

Consumer Disclosure

Texas Licenses

Texas Credit Access Business License

Texas Credit Services Organization License

Online Payday Loan Questions:

How much money can I borrow?

Texas residents may be eligible to receive up to $300 with an online payday loan from Sunshine Loans.  If you repay your payday loan early or as scheduled, you may be eligible for a larger loan amount the next time you need a payday loan from Sunshine Loans.

Can I receive funds the same day?

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 choose 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.

Can I pay off my loan early?

Yes, you can. There are no early payment penalty fees or charges, and you may even be eligible for a discounted payoff amount.

I don’t live in Texas; can I still apply for a Payday loan?

To be eligible for a Sunshine Loans payday loan in Texas you must be a resident of the state and meet the other eligibility requirements. If you are a resident of another state you may apply for any loan product offered in your state of residence.

Who can I talk to if I have additional questions?

If you have additional questions you can refer to our FAQ page, contact a member of our customer service team at (800) 504-9776, or email us at [email protected]