Loans for Low Income

Sometimes in life, when it rains, it pours.

If you are a low income earner, chances are you won't have a rainy day fund or money put aside for emergencies. And that's okay! We can help you out, with loans for low income earners of up to $2,000 to help you get back on track.

What is a low income loan?

A low income earner is usually defined by an annual salary of less than $48,360 per year. If you fall into this group, then you are usually able to access government benefits of some sort, and you can apply for a short-term low income loan of up to $2,000 with us here at Sunshine Loans.

Bad Credit Low Income Loans

Not every lender approves low income loans for bad credit, but at Sunshine Loans, we understand that your past doesn't always define your future. That's why we can approve bad credit low income loans for many applicants.

Low Income Loans Centrelink

Even if a portion of your income comes from Centrelink, low income loans for Centrelink customers are still available through us. You just need to show us that you are earning $400 a week, even if a portion of that comes from Centrelink.

Low Income Loans Online

Not keen on the piles of paperwork banks require you to fill out before being approved for a loan? Apply for a low income loan online with Sunshine Loans, and skip all the hassle with our fast, paperless application process.

How much can I borrow?

At Sunshine Loans, you can borrow up to $2,000 in the form of a short-term personal loan. However, we encourage you to borrow only what you need and are able to pay back without adding additional stress to your situation.

Costs and Eligibility

The cost of our loans for low income earners are outlined on our loan costs page. We ask for a 20% establishment fee and an ongoing fee of 4% per month, both calculated from the total amount borrowed. Additional fees may apply.

How to Get a Loan on Low Income

You can get a loan on a low income easily through Sunshine Loans. We offer repayment periods of 9 to 14 weeks, a fast turnaround time, and easy-to-navigate fees. Just show us that you can comfortably repay the loan, and we'll be happy to help you out.

Apply for a Loan on Low Income

Being a low income earner can be stressful in more ways than one. Call us today to talk to a helpful staff member about our loan options, or apply online in as little as 5 minutes.

Why choose Sunshine Loans?

We do fast loans from $150 to $2,000 – even if you're a low income earner.

We call ourselves the rainy day experts – because we know that sometimes in life, when it rains, it pours. Whether you need some extra cash while you're looking for a better-paying job, or need to quickly pay for unexpected bills, we offer quick loans for low income earners with no hidden fees.


How long does it take to receive approval?

If you apply within usual business hours, we can potentially approve your loan and have money in your account in the same day! Our turnaround time is about 30 minutes, meaning we can bring a little sunshine to your day in a flash.

Do you carry out credit checks?

As part of our responsible lending practices, we assess your credit score when you apply for a loan to determine that it's suited to you. But don't worry – that doesn't mean you'll be knocked back. In fact, we have approved many bad credit low income loans in the past.

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