Bad credit? Don’t sweat it!

Even if you have bad credit or a default on your file, we may still be able to help you depending on your circumstances.

Get up to $2,000 cash into your bank account fast, with a small loan from Sunshine Loans.


Approval on cash loans with no credit check

Who hasn’t been dealt a bad hand, or 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’ve helped hundreds of customers with bad credit secure a small loan of up to $2,000.


How do you determine loan approval?

As a responsible lender, we need to make sure you’re in a position to repay your loan and may carry out a credit check. However, if you have bad credit, don’t worry! We may still be able to help you.

When reviewing your loan application, we’ll look at your bank statement to assess your income and ability to afford repayments. Even if your credit history isn’t perfect, we’re often still able to help out with a cash loan.

Here’s what you should know.

To receive a small loan 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.

What’s the catch?

Get up to $2,000 paid directly into your bank account, no catch! Our fees and terms are as clear as day, just see for yourself.

Small Loan Costs

  • Establishment fee is 20% of the amount borrowed.
  • Monthly loan fee is 4% of the amount borrowed.
  • Loan terms generally run for a period of 9 weeks, but you can pay out early at any time.

Please note: other fees may apply, if you miss a payment or are behind.

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!

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

Apply for a quick and simple loan

If you need a small loan of up to $2,000 – you’ve come to the right place. Sunshine Loans has been helping Australians secure a no fuss small loan since 1999.

If you need cash quickly, but don’t want the paperwork hassle, simply apply online! We approve loans online, fast, and once approved we’ll deposit the money into your account the same day (weekdays only).

No hidden fees and charges, and you can pay off your loan early – without penalty!