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 an Annual Percentage Rate of 48% per annum plus an Establishment Fee of $400. 

Our loan repayment terms generally run for a period of 16 weeks, but you can pay out early at any time with no penalty.

What are your minimum requirements for loan approval?

To get approved for our quick online loans, 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 $600 per week. Regular income can come from employment and government benefits (e.g. Centrelink). It cannot be from Centrelink or a pension only.

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.