Same Day Loans

If you need a small cash loan, fast, you've come to the right place.

Sunshine Loans can help you secure same day cash loans of up to $2,000 with our quick and simple loans – which you can apply and get approved for completely online.

Forget the mountains of paperwork, long waits and confusing application forms - we've made applying online for small loans easy, with same day turnarounds.

Simply apply and sign online, and if your loan is approved during normal business hours, you'll receive the funds in your bank account the same day!


How long does it take to apply?

It'll 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 shouldn't take much longer than 5 minutes to complete our short term loan application.

How long does loan approval take?

We have some of the fastest loan approval times in the industry. If you complete our application online during normal business hours (AEST), we'll get back to you on the same day.

How quickly will I receive the funds?

As long as your loan is approved and you've signed online during normal business hours, funds of up to $2,000 will be deposited into your bank account on the same day.

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 $400 per week
  • Regular income can come from a part or full-time job 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, Proof of Age 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.
  • Skip the paperwork fuss! Simple and secure online application.
  • Receive approved funds directly into your bank account, fast.
  • 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. Get up to $2,000 paid directly into your bank account, no hidden fees! Our loan costs and terms are as clear as day, just see for yourself.

  • Establishment fee is 20% of the amount borrowed.
  • Monthly loan fee is 4% of the amount borrowed.
  • Loan terms generally run for a period of 9 to 16 weeks, but you can pay out early at any time.
Note: Additional fees may apply, if you miss a payment or are behind.

Don't just take our word for it! Read what a recent Sunshine Loans customer had to say about applying through us:

Apply for a same day cash loan

If you need same day cash loans of up to $2,000 – Sunshine Loans can lend a hand. We've been helping thousands of Australians secure quick and simple small loans, delivered to them on the same day, since 1999. We hate paperwork, so there's none of that around here! Simply apply online with our fast and secure online application form. We approve small cash loans, fast, and once approved we'll deposit the money into your account the same day (weekdays only). No hidden fees and charges, and you can pay off your loan early – without penalty!

Apply FAQs