Looking to apply for a fast online loan?

If you need a small cash loan for an unexpected expense, or just a little extra cash, Sunshine Loans can help. We’ve helped thousands of Australians with online loans of up to $2,000 - fast, no fuss. We are the rainy day fund experts.

It’s quick and simple to apply online using our secure online application, and once approved, we’ll deposit the cash into your bank account the same day (weekdays only).
There are no hidden fees or charges, zero paperwork, and you can pay out your loan at any time - without penalty! It that’s simple!


How long does it take to apply?

Applying for online loans of up to $2,000 with Sunshine Loans takes less time than it’ll take you to boil a jug of water – 3 minutes or less.

You can apply online 24/7, just make sure you have the following information handy to complete your online loan application:

  • Details of your regular income, including government benefits (if applicable)
  • Personal identification (Australian Drivers Licence, Proof of Age Card, or Passport)
  • Your bank account details (Bank, Account Name, BSB, Account Number)

How quickly do you approve small online loans?

We have some of the fastest loan approval times in the industry. If you’ve completed our application online during normal business hours, we’ll usually be able to get back to you on the very same day.

How fast can I receive the money?

How fast is fast? If your loan is approved and you’ve signed online before 4:30 PM AEST, we’ll deposit the small cash loan into your bank account the very same day. Now that’s quick!

What are your minimum requirements for loan approval?

To receive an online loan of up to $2,000 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.

Why thousands choose Sunshine Loans

  • We’re Australian owned and operated.
  • 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.
  • And if you pay off your loan early, great! There’s no penalty!

Online Loans Costs and Terms

We’ll never have any hidden fees or charges! Our loan terms are simple and our fees are transparent. On an online 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.

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

Apply online for fast online loans

If you’re looking for a quick and simple cash loan of up to $2,000 – we can help.

Whether you’ve run into spot of trouble and have an unexpected expense, or just need a little extra cash, Sunshine Loans has fast approvals and simple applications to help you on your way.

Apply online in 3 minutes or less, without the paperwork fuss, and once approved, we’ll deposit up to $2,000 directly into your bank account the same day (weekdays only).

We work hard to make sure securing online loans are quick and simple!