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Why thousands choose
Sunshine Loans

  • Australian + family owned & operated since 1999.
  • Simple online application and prompt assessment.
  • No faxes or paperwork: apply and sign online!
  • 100% secure website: 128 bit SSL encryption.
  • Australian Credit Licence Number 390556.

Loans from $2,050 to $3,000

  • We charge interest at an Annual Percentage Rate of 48% per annum* plus an Establishment Fee of $400.
  • There are no other account keeping or other regular monthly fees.
  • The minimum term is 63 days and the maximum term is 140 days
  • For example, a $2050 loan over 20 weeks will have payments of $134.51 and a total repayment of $2,690.17. This is an example only and other charges or fees may apply.

*The Comparison Rate for a loan of $3,000 over two years is 66.20%.

Note: Sunshine does not offer medium loans over 2 years.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates.

A few of our frequently asked questions:

1. How much does it cost?

Our loans have a simple cost structure. We charge interest at an Annual Percentage Rate of 48% per annum* plus an Establishment Fee of $400. Other fees may apply.

2. What happens if I can't pay on time?

No worries, we can work something out. 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 particular payment.

3. Can I apply for extra funds if I have a current loan with Sunshine Loans?

Yes, if you have made enough payments on your current loan, you may be eligible to apply for more funds. Or You could pay out your current loan and apply for a new loan straight away.

4. 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.