Small cash loan? Here when you need it.

When things go pear-shaped and you find yourself in need of a little extra cash - Sunshine Loans can help with small cash loans of between $150 - $2,000, fast.

We’re here when you need it. Helping you secure a fast little loan of up to $2,000 for those one-off expenses, or unexpected circumstances.
Our small cash loans have nothing to hide! No hidden fees or charges, same day loan transfers, zero paperwork application, and you can apply online 24/7. No worries!


How much money can I borrow?

Whether you need $200 or $2,000, Sunshine Loans approves loans of up to $2,000.


How quickly can I receive the money?

Once your loan is approved and you’ve signed online before 4:30 PM AEST, we’ll deposit the cash directly into your bank account the same day.

What can I use a small cash loan for?

Perhaps your car needs repairs, you’ve run into a spot of trouble, or you just need a little extra cash for a special occasion. No matter the reason, we can help with a small cash loan of up to $2,000.

A small loan can can be used for a wide range of purposes including:

  • Medical fees
  • Vet bills
  • Rental bond or deposit
  • Utility or non-utility bills
  • Traffic or court fines
  • Car or vehicle repairs
  • Travel and accommodation
  • Holiday expenses
  • Funeral costs
  • School or education fees
  • Car rego bill
  • Tax and tax agent bills
  • Rent or home expenses
  • General expenses
  • Home repairs
  • Moving costs
  • Presents or gifts

Short Term Loan Costs and Terms

At Sunshine Loans, we’ll never have hidden fees or charges. We work hard to make sure our terms are simple and our fees are transparent.

On a short term online loan of up to $2,000, here’s what you’ll 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 weeks, but you can pay out early at any time – without penalty.
Note: Additional fees may apply, if you miss a payment or are behind.

Short Term Loan Minimum Requirements

To receive a short term loan 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 $300 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.

Why thousands choose Sunshine Loan Centres

  • We’re Australian owned and operated.
  • Helping Aussies secure small 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!

Don’t just take our word for it! Read what a recent Sunshine Loans customer had to say:

Apply online for a fast cash loan

If you need a small cash loan, fast, we can help. Sunshine Loans has helped thousands of Australians secure a no-fuss small cash loan of up to $2,000.

No hidden fees or charges, zero paperwork application, apply online 24/7 in 3 minutes or less. Same day payments! Here when you need it.