Rates & Terms

Online Installment Loans

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.