Loan for Renovations

Does your home need a little sprucing up?

Maybe the walls need a new coat of paint, the carpet needs replacing, or you've been eyeing off some new stone benchtops for the kitchen, Sunshine Loans is here to help. We offer fast, small loans for renovations from $150 to $2,000.

Borrowing Money for Renovations

Our loans for home renovations are a great idea for smaller renovations that add instant value to your home and comfort to your life. And because borrowing money for renovations is often cheaper than using your credit card – which comes with high interest rates – it can be a simple, savvy way to get some much-needed fixes done around the house.

How much can I borrow?

At Sunshine Loans, you can borrow up to $2,000 to put toward your home renovations. However, we always recommend that you borrow only what you need and ensure that you have the means of paying the loan back in a timely manner.

Loan Costs and Eligibility

Our loans come with easy-to-understand costs and eligibility criteria. Simply put, if you can show us that you earn at least $400 per week in take-home pay, we can help you out with a small loan for renovations. Our fees are simple, too – we ask for a 20% establishment fee plus a 4% monthly fee, both calculated from the amount of the loan.

And yes – we consider home improvement loans with bad credit, too!

How to Get a Loan for Home Renovations

Ask and we shall provide! Simply give us a call or fill out our online application form, and receive approval lightning-fast. We just ask that you be able to show us that you currently have a form of income or a combination of both take-home pay and government benefits.

Why choose Sunshine Loans?

We do express loans from $150 to $2,000.

At Sunshine Loans, we like to think of ourselves as the rainy day experts – because we know that sometimes in life, when it rains, it pours. We understand that sometimes you need a little extra help financially and that not everybody has emergency savings on hand. That said, we don't take advantage of anyone – in fact, we are committed to responsible lending practices and want to help you build a healthy relationship with money.

But perhaps best of all, we can get money into your account on the same day you apply, so you can get those shiny new faucets sooner rather than later!

Apply for a Home Renovation Loan

Have you decided that a loan for renovation is right for you? Apply with us over the phone by calling (07) 5526 8866, or simply use our handy online (and paperless!) application form.


How long does it take to receive approval?

We can approve your loan for your home renovations on the day you apply, providing that you apply during normal business hours. This means that you'll receive your money the day you apply for your loan. Just keep in mind that sometimes banking processes can take some time, so you may get your money the day after approval.

Do you carry out credit checks?

As responsible lenders, we will assess your credit score when you apply for a loan with us. But don't worry – a bad score doesn't always equal a rejected loan. In fact, we're more interested in how you handle your money now, rather than how you've handled money in the past.

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