Bad credit check? No worries!

If you need a small cash loan of up to $2,000, but you’re worried you have bad credit. Don’t sweat it! Even if you have bad credit history, or a default on your file, we may still be able to help you depending on your circumstances.

We’ve helped Australians with bad credit secure a fast cash loan, with a fuss-free online loan. Sunshine Loans approves quick and simple cash loans from $150 - $2,000.

No hidden fees or charges, same day loan payments, and you can apply online 24/7 with our secure online form. No worries!

I have bad credit history, can I still apply?

Who hasn’t fallen on hard times? We get it. So if you’ve experienced financial hardship and are looking for a fair go, at Sunshine Loans, we’re listening.

We’ll look at your credit history and depending on the timing and reason for the mark, we may conclude that we can still help.


Do you approve loans with Bad credit check?

We’ve approved hundreds of loans to applicants with a default or mark on their credit history.

Although we may carry out a credit check, we’ll also consider your income and whether we’re still able to help you.

How do you determine loan approval?

As a responsible lender, we need to be sure that you can comfortably afford repayments.

When reviewing your loan application, we’ll look at your bank statement to assess your income and ability to afford repayments.

How quickly can I receive the money?

We deposit the loan money directly into your bank account the same day, so long as your loan is approved and you’ve signed online before 4:30 PM AEST.


Here’s what you need to know.

To receive an online loan of up to $2,000 with us, you’ll need to meet our minimum requirements:

  • You must be at least 18 years old
  • You must have a regular income of at least $300 per week
  • Regular income can come from a part or full time job and government benefits (e.g. Centrelink). This income cannot be from Centrelink or Pension only.

Why thousands choose Sunshine Loans

  • We’re Australian owned and operated.
  • Helping Aussies secure small loans since 1999.
  • Skip the paperwork fuss! Simple and secure online application.
  • Receive approved funds directly into your bank account, fast.
  • Our fees are transparent and our loan terms are simple.
  • And if you pay off your loan early, great! There’s no penalty!

Small Loan Costs and Terms

No sneaky hidden fees or charges around here! Our loan terms are simple and our fees are transparent. On a small cash loan of between $150 – $2,000, here’s what you can expect to pay.

  • Establishment fee is 20% of the amount borrowed.
  • Monthly loan fee is 4% of the amount borrowed.
  • Our loan repayment terms generally run for a period of 9 weeks, but you can pay out early at any time – without penalty.

Note: Additional fees may apply, if you miss a payment or are behind.

Don’t just take our word for it! Here’s what a recent Sunshine Loans customer had to say:

Apply online for a quick cash loan

If you’re looking for a quick and simple cash loan of between $150 – $2,000 – you’ve come to the right place.

Sunshine Loans has been helping Australians secure a no fuss small loan since 1999.

Whether you’ve run into spot of trouble or have an unexpected expense, if you need cash quickly, Sunshine Loans can help.

Pay off your loan any time, without penalty. No paperwork, no hidden fees or charges, and same day payments. Apply online 24/7!