Instant Cash Loans

If you need instant approval on a small cash loan, Sunshine Loans can help. Perhaps you've run into an unexpected expense, or maybe you just need a little extra cash to make it to payday. Whatever the reason, we've helped thousands of Australians secure approval on instant cash loans up to $2,000.

We can offer some of the fastest turnaround times for instant approval cash loans in the industry. Simply apply online in 3 minutes or less using our simple and secure online application. No annoying paperwork, same-day payments, no hidden fees or charges, and you can apply 24/7.


How much cash can I loan?

Whether you need a $200 or $2,000 instant cash loan, we can help! Sunshine Loans can approve instant cash loans up to $2,000. The amount of cash you're able to loan will depend on your circumstances.

Will I receive instant approval on cash loans?

Sunshine Loans offers instant-approval cash loans, but as a responsible lender we'll need a bit of time to review your application.

But don't worry! If you complete your application online during normal business hours, we'll get back to you the very same day (conditions apply). Once your loan has been assessed and approved, the money will be transferred directly to your account.

Do you carry out credit checks?

At Sunshine Loans, we believe in a fair go. We carry out credit checks as part of our financial assessment, but even if you have bad credit, your instant cash loan may still get approved (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. Here's what you'll pay for fast cash loans up to $2,000:

  • 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.

Additional fees may apply if you miss a payment or fall behind.

Instant Cash Loans Minimum Requirements

To qualify for instant-approval cash loans with us, you'll need to meet the following 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). It's can't come from Centrelink or a pension only.

Why Choose Sunshine Loans

  • We're Australian owned and operated.
  • We've been helping Aussies secure small loans since 1999.
  • We offer a simple and secure online application so you can skip the paperwork.
  • You'll receive approved funds directly into your bank account, fast.
  • Our fees are transparent, and our loan terms are simple.
  • There's no penalty if you pay off your loan early.

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

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