Online Loans

How long does it take to apply?

Applying for quick small loans online with Sunshine Loans takes just minutes.

To complete our online loans fast approval application, just make sure you have the following information handy:

• Details of your regular income, including government benefits (if applicable)


• Personal identification (Australian drivers' licence, Medicare card, or passport)


• Your bank account details (bank, account Name, BSB, account number).

How quickly do you approve small online loans?

If you apply during business hours you could be approved the same day.

How fast will I receive the money?

If your loan is approved and you've signed the contract we'll transfer the money to your account instantly.

Are there any hidden fees or charges?

At Sunshine Loans, our terms are simple, and our fees are transparent. There's no catch!

When applying for small cash loans online from $2,050 to $2,500, here's what you can expect to pay:

•We charge interest at a maximum Annual Percentage Rate of 48% per annum* plus an Establishment Fee of $400.

•There are no other account keeping or other regular monthly fees.The minimum term is 63 days and the maximum term is 140 days

•For example, a $2050 loan over 20 weeks will have payments of $134.51 and a total repayment of $2,690.17. This is an example only and other charges or fees may apply.

*The Comparison Rate for a loan of $2,500 over two years is 66.20%.Note: Sunshine does not offer medium loans over 2 years.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates.

What are your minimum requirements for loan approval?

To apply, you'll need to meet the following criteria:

• You must be at least 18 years old.
• Have a regular take-home income of at least $700 per week or $1400 per fortnight (take home pay). This can be a combination of employment earnings and government benefits, but not government benefits alone.
• Additionally, you must be able to comfortably afford the repayments within your current budget.

As part of our commitment to responsible lending, we will not lend to those who might experience financial hardship as a result of using our loan service.

Why Choose Sunshine Loans

• We're Australian owned and operated.


• We've been helping Aussies secure quick online loans since 1999.


• Our online application is simple and secure.


• You'll receive your approved funds directly in your bank account, fast.


• Our fees are transparent, and our loan terms are simple.


• If you pay off your loan early, no penalties apply.