Been in a car accident? Need assistance paying for repairs? Sunshine Loans can help. Learn more about our car repair loans.
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Need a little help covering your holiday expenses? Sunshine Loans can help. Learn more about our holiday loans here.
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Need help paying for emergency medical expenses? Sunshine Loans can help. Learn more about our emergency medical loans here.
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We provide short-term cash loans to help cover unexpected emergencies. Quick & easy online application form and same-day transfer.
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Need a small loan with bad credit? We may be able to help! Forget about the hassle and paperwork. Learn more about our bad credit loans here.
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Struggling to pay your bills? A short-term personal loan can help you get on top of your finances. Learn more about our loans for bills.
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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.
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.
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.
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!
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.
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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).