The most frequently asked questions about our short-term loans.

Am I eligible for an express loan with Sunshine?

To get a loan with Sunshine Loans, you must be at least 18 years old. Secondly, you must have a regular income of at least $700 a week ($1400 a fortnight) take home pay. This income can be a combination of employment and government benefits. Also, you must be able to comfortably afford the repayments on your current budget. As part of our commitment to responsible lending, we will not lend to those who might be placed in a position of financial hardship as a result of our lending. Check your loan eligibility here.

What if I am unemployed or on a pension?

Unfortunately, if you are unemployed or only receiving government benefits, we are unable to assist you.

How much does it cost to get a loan?

Head on over to our loan costs page for a full explanation of our fees. It's really simple though. There is an establishment fee of $400 and interest is charged at an annual rate of 48%.

How long do your loans go for?

Our loans generally run for a period of 12 to 20 weeks, but you can pay out at any time.

What can I use my short-term loan for?

We provide express funds for almost anything. Need a little extra for a bond payment? Unexpected vehicle repairs take you by surprise? Not to mention when the fridge or washing machine breaks, or a sudden medical bill or even a vet bill for your favourite pet? Or perhaps you just need that little extra for a car, bike, boat, or holiday? The list goes on - just ask us!

Can I get a loan if I'm self-employed?

Absolutely, we often provide loans to self-employed people. Self-employed people have rainy days too! Tools break, the computer needs an upgrade, tax time takes you by surprise. No worries

How do I apply?

Just fill out our quick 3-step application here. It will be promptly assessed by our experts, assisted by our custom-built analytical tools to speed up the process. If your application is all good, we will send an offer and a contract which can be signed online. Get started here!

When can I submit my application?

The application process is completely online so you can apply 24/7. Apply here.

How long does the process take?

The application should only take you less than 5 minutes. Once we have your assessed and approved your application, we will send you a loan offer to sign online. Once you have signed, the money will be in your account in cleared funds within seconds.

Can I repay the loan early?

Yes. You can payout your loan at any time. We do not have any "payout early fees", in fact you will save some money by paying out early.

You are welcome to apply for another loan as soon as you have paid out a current loan.

What happens if I can't pay on time?

Don't worry! As rainy day fund experts, we know that it never rains, but it pours. If you think you might not be able to pay on time, get in touch as soon as possible via Customer Support so we can discuss some options. We need 2 business days notice for rescheduling or adjusting payments.

What if I need a few extra dollars during my loan?

We do offer Refinancing on a current loan if needed. We would offer you a new loan where a portion would pay out the remainder of your current loan and the balance deposited into your account.

What are your office hours?

We run on Queensland time, 9:00am to 4:00pm, Monday to Friday. But you can apply online 24/7!

What if I have a complaint?

If you wish to make a complaint, please email complaints@sunshineloans.com.au and we will use every avenue to ensure your experience with Sunshine Loans is a bright one. If you are still not satisfied with us, you can contact AFCA (the Australian Financial Complaints Authority), their contact details are here.