Short-Term Loans Made Simple
Get $150 - $2000 directly into your account.Apply Now!
- Australian owned & operated.
- Helping Australians since 1999.
- Simple loans from $150 - $2000.
- Apply online and sign your contract online.
- Use your smart phone, tablet or computer.
- Funds transferred directly into your account!
- Our standard loan term is 9 weeks (63 days).
- Standard minimum repayment period is 9 weeks (63 days).
- Standard maximum repayment period is 9 weeks (63 days).
Why thousands choose Sunshine Loan Centres.
If you need between $150 and $2000 with no fuss - you've come to the right place!
Sunshine Loan Centres Pty Ltd is an Australian owned and operated business. We've been helping Australians since 1999. Your cash advance can be approved online without delay with your money being deposited into your account the same day (week days only).
Once you have been a customer, applying for another loan is easy as we already have all of your information on file. Just a quick phone call is all it takes!
We have a variety of finance options available and we will work out a repayment plan that fits your budget. There are no hidden fees and our loans can be paid out early without penalty. If you need cash and you can do without the mountain of paperwork and delays other institutions put you through - give us a call!
You can call Monday to Friday 8:00am til 4:30pm (QLD time) or apply online 24/7!
Other things you should know.
How much does it cost?
Our loans have a simple cost structure. The establishment fee is 20% of the amount borrowed. The monthly fee is 4% of the amount borrowed. Have a look at some of our example structures. Other fees may apply. See Question 3 below.
How much interest do you charge?
Under the current legislation Sunshine Loan Centres does not charge an interest rate. You may know this as Annual Percentage Rate or APR. We do charge an establishment fee and a monthly fee. See above.
What happens if I can't pay on time?
Please contact us immediately via Customer Support so we can discuss the matter. We require 2 business days notice to consider the rescheduling or adjustment of a payment.
Please note: There are fees associated with rescheduling or adjusting a payment and a weekly arrears management fee ($30) charged for each week the loan goes past its original scheduled finish date.
If your account remains in arrears after 60 days, we may mark your credit file with a default. This will appear on your file for 5 years and may make it difficult to borrow during that time.
Do you charge any renewal fees?
We don't renew loans by rolling them over or by refinancing them. You must finalise your loan with us before you can apply for a new one. Therefore, we don't charge renewal fees!
Are you compliant with regulations?
Absolutely. We are fully compliant with the National Consumer Credit Protection Act 2009 and our Australian Credit Licence Number is #390556. View our Warning About Borrowing for more information.
Below is how we work out the cost of your loan.
- Establishment fee is 20% of the amount borrowed.
- Monthly loan fee is 4% of the amount borrowed.