Same Day Loans

How long does it take to apply?

It can take less time to complete our simple online application than it takes to make yourself a cup of coffee/tea! As long as you have a phone, tablet or a computer, and all of the information you'll need handy, it can take just minutes to complete our short term loan application.

How long does loan approval take?

If you complete our application online during normal business hours (AEST), we can potentially approve your loan the same day.

How quickly will I receive the funds?

Once approved and the contract is signed the funds will be deposited in your account instantly.

Here's what you should know:

To receive same day loans 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 $700 a week ($1400 a fortnight)


• Regular income can come from employment and government benefits (e.g. Centrelink). This income cannot be from Centrelink or Pension only.

What information will I need to apply?

• 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)

Here's why thousands choose Sunshine Loans

• We're Australian owned and operated.


• Helping Aussies secure same day cash loans since 1999.


• Simple and secure online application.


• Receive approved funds directly into your bank account, instantly.


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


• And if you pay off your loan early, great! There's no penalty!

Same Day Loan Costs

Perhaps you need that little bit extra to make your wedding day extra special, or an unexpected expense has landed and you're a little short of cash, or you'd just like a little bit of extra cash to buy something you really wanted – we get it! No matter the reason, we've helped thousands of Australians secure a fast and simple cash loan with no hidden fees! Our loan costs and terms are as clear as day, just see for yourself.

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


• Loan terms generally run for a period of 12 to 20 weeks, but you can pay out early at any time.

Apply for a same day cash loan

If you need same day cash loans from $2,050 to $2,500 – Sunshine Loans can lend a hand. We've been helping thousands of Australians secure quick and simple small loans since 1999. Simply apply online with our fast and secure online application form. If approved and contract signed, we will deposit the money into your account instantly. No hidden fees and charges, and you can pay off your loan early – without penalty!