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Why thousands choose
Sunshine Loans for their rainy day

  • Australian + family owned & operated.
  • Brightening rainy days since 1999.
  • Funds transferred directly into your account.
  • Simple application and prompt assessment.
  • Australian Credit Licence Number 390556
  • 100% secure website – 128 bit SSL encryption.
  • We only charge flat fees, no interest rates (otherwise known as Annual Percentage Rates or APR).
  • Use any device.
  • No faxes or paperwork!
  • Apply and sign online.

A few of our frequently asked questions:

1. 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. Other fees may apply.

2. How much interest do you charge?

Under the current legislation Sunshine Loans 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.

3. 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.

Please note: there are fees associated with rescheduling or adjusting a payment and a weekly arrears management fee ($20) 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.

4. 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!

5. 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.

Disclaimer: The information on this website is of general nature and does not take into consideration your objectives, financial situation, or needs.
The Annual Percentage Rate (APR) is not applicable to loans offered by Sunshine Loans. The minimum term is 63 days and the maximum term is 98 days. The cost of the loan is a 20% establishment fee on the amount borrowed and a monthly fee of 4% charged on the amount borrowed. For example, a $1,000 loan borrowed over 6 months is a total of $1,440 ($1,000 principle, $200 establishment fee and $240 in monthly interest). Monthly repayment is $240.
WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. How much someone can borrow will be based on the information they provide to us during the loan assessment.