Bad Credit Loans

Need a small cash loan but worried about your bad credit? Even if you have an imperfect credit history or a default on your file, we may still be able to help you with applying for cash loans with bad credit. Depending on your circumstances, you could get approved for a loan up to $2,000. Get cash in your bank account fast with small loans for bad credit 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. If you've experienced financial hardship and are looking for a fair go, Sunshine Loans is listening.

We've helped hundreds of customers apply for small loans with bad credit. Our team will look at your credit history and, depending on the timing and reason for the mark, we may conclude that you still qualify for a loan.


How do you determine loan approval?

As a responsible lender, we need to be sure you can comfortably afford to pay back your loan. When you apply for a loan with bad credit, we'll look at your bank statements to assess your income and ability to afford the repayments.

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.

How quickly can I receive the money?

At Sunshine Loans, you can apply for bad credit loans online to get your money as soon as possible. If your loan is approved and you've signed online before 4:30 PM AEST, we'll deposit the money directly into your bank account that same day (conditions apply).

What You Need to Know

To apply for cash loans with bad credit, 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 $400 per week. Regular income can come from a part-time or full-time job and government benefits (e.g. Centrelink). This income cannot be from Centrelink or a pension only.

Small Loan Costs and Terms

No sneaky hidden fees or charges around here! Our loan terms are simple, and our fees are transparent. For a small cash loan 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 to 16 weeks, but you can pay out early at any time – without penalty.

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

Why Choose Sunshine Loans

  • We're Australian owned and operated.
  • We've been 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.
  • If you pay off your loan early – great! There's no penalty.

Don't just take our word for it! Here's what recent Sunshine Loans customers have to say:

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