Payday Loans

Do you need a little help to see you through to your next payday? At Sunshine Loans, we offer payday loans of up to $2,000 with minimal fees and minimal fuss. We'll help clear the clouds and brighten up your day with our fast application process and turnaround times, so you can have money in your pocket sooner.

What is a payday loan?

A payday loan is another form of a small personal loan. It's also short-term loan and, because they're quite small, they're one of the quickest ways to get money when you need it most. Small payday loans are intended to help you out until your next paycheque, hence the name.

Small Payday Loans

Small payday loans are generally between $100 and $2,000. They aren't meant for large purchases; they're designed to help you pay for essential items and services in between paycheques.

Payday Loans with Bad Credit

You may still be eligible for a payday loan even with a bad credit history. When you apply for a payday loan, we take into account your individual situation before making a decision, meaning that even those with bad credit can still take out a small payday loan.

Payday Loans for Pensioners

If you're on the pension but still receive a small income on top of government benefits, you may still be able to apply for a payday loan for pensioners. We believe that everybody, including those on the pension, should have a chance at a sunny day.

Payday Loans for Unemployed

To quality for a payday loan, we need to be sure that you can repay the loan without compromising on essentials such as food and rent. If you are unemployed and receiving government benefits, it's still worth enquiring with us to see if we can assist you in any way.

How do payday loans work?

Payday loans work like any other personal loan. You'll borrow money and be required to pay it back in instalments – plus any interest accrued.

How much can I borrow?

This depends on what you need to tide you over until you receive your next pay packet. The maximum we allow you to borrow when you apply for a payday loan online with us here at Sunshine Loans is $2,000.

Payday Loan Eligibility Check

Wondering if you're eligible for a payday loan? Here's what you'll need:

  • Be aged 18 years or older
  • Bank statements showing $400 take-home pay per week OR
  • Proof of a combination of income and government benefits that equal $400 per week.

Why choose Sunshine Loans?

We're the rainy-day loan experts.

Because we understand that not every day is a sunny day and sometimes you need a little help financially. Our application form is paperless and should take you all of 5 minutes to fill out. Plus, if you apply within regular business hours, we can approve your application and have money in your account as soon as the same day!

On top of this, we are committed to responsible lending practices, and we discourage a cycle of borrowing and debt.

Apply for a Payday Loan

Ready to make your day a little brighter? Apply for a payday loan online now, or talk to us today and our friendly staff will do their best to help you out.


How long does it take to receive approval?

We approve most of our payday loan applicants on the same day they apply. This means we can have money in your account on the same day too, pending any delays from your bank.

Do you carry out credit checks?

We assess your credit score when you apply for a loan with us to make sure it's truly suited to you.

Are payday loans bad for your credit?

All loans, whether or not approved, will impact your credit in some way. But if you pay it back on time, a payday loan can actually help improve your credit score.

Are payday loans fixed or variable?

Payday loans are fixed loans, meaning your interest repayments won't be affected by anything else going on in the market.

Are payday loans secured or unsecured?

Since payday loans are usually granted in small amounts of less than $2,000, they can be borrowed as unsecured loans.

How many payday loans can you have at once?

We recommend having only one payday loan active at any time. Multiple loans can negatively impact your credit score and lead to bad borrowing habits.

What happens if a payday loan is not paid?

If you are unable to repay your loan, we strongly recommend contacting customer support in order to avoid penalties including fees.

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