Online Loans

If you need a small cash loan for an unexpected expense, or just a little extra cash, Sunshine Loans can help. We've provided thousands of Australians with quick cash loans online in amounts up to $2,000. As the rainy day fund experts, we specialise in offering online loans with fast approval.

It's quick and simple to apply for quick small loans online using our secure application process. Once your loan is approved, we'll deposit the cash into your bank account the same day (weekdays only, conditions apply).

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 quick small loans online with Sunshine Loans takes just 3 minutes or less.

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, proof of age card, or passport)
  • Your bank account details (bank, account Name, BSB, account number).

How quickly do you approve small online loans?

Sunshine Loans has some of the fastest loan approval times in the industry. We can help you get approved for quick loans online the same day you submit your application. If you apply during normal business hours, we'll usually be able to transfer the money into your account before close of business (conditions apply).


How fast will I receive the money?

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

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 up to $2,000, here's what you can expect to 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 to 16 weeks, but you can pay out early at any time with no penalty.

Please note: other fees may apply if you miss a payment or are behind./p>

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 $400 per week. Regular income can come from a part-time or full-time job 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.

Don't just take our word for it! Here's what recent Sunshine Loans customers have to say:

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