Looking for instant approval on a cash loan?

If you need approval on a small cash loan, instantly, Sunshine Loans can help. Perhaps you’ve run into an unexpected expense, or maybe you just need a little extra cash to help you on your way - whatever the reason, we’ve helped thousands of Australians secure instant cash loans of up to $2,000.

We have some of the fastest loan approval times in the industry, and you can apply online in 5 minutes or less with our simple and secure online loan application. No annoying paperwork, super-fast approvals, same day payments, no hidden fees or charges, and you can apply online 24/7. Too easy!


How much cash can I request?

Whether you need $200 or $2,000, we can help! Sunshine Loans approves online cash loans of up to $2,000.

Will I receive instant approval on cash loans?

Sunshine Loans has some of the fastest loan approval times in the industry, but as a responsible lender, we do need a bit of time to review your application.

But don’t worry! If you’re looking for instant approval on your cash loan, and you’ve completed our application online during normal business hours, we’ll get back to you on the very same day. If everything is in order, you’ll find the money you requested in your account, instantly.

Do you carry out credit checks?

At Sunshine Loans, we believe in a fair go. So while we may carry out a credit check as part of our financial assessment, if you have bad credit, don’t worry! We may still be able to help you depending on your circumstances.

When reviewing your loan application, we’ll look at your bank statement to assess your income and make sure you can comfortably afford repayments.


How much will it cost?

There are no hidden fees or charges around here. Our loan terms are simple and our fees are transparent. On a fast cash loan of up to $2,000, here’s what you’ll 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.

Here’s why thousands choose Sunshine Loans

  • We’re Australian owned and operated.
  • Helping Aussies secure instant cash loans of up to $2000 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!

Instant Cash Loans Minimum Requirements

To receive a cash 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.

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

Apply online for an instant cash loan

If you need approval on a cash loan, fast – you’ve come to the best place.

Sunshine Loans offers super-fast, almost instant approvals on small cash loans of up to $2,000.

Apply online in 5 minutes or less with our simple and secure application form and once approved, we’ll deposit up to $2,000 directly into your bank account the same day (weekdays only).

Skip the messy paperwork and long waits. We work hard to make borrowing small cash loans simple and quick.