Small loans, big help

Whether your car or house needs urgent repairs, or you just need a little extra money to help family or friends. No matter the reason, we approve fast cash loans, no fuss. Forget the mountains of paperwork and long waits. Apply online 24/7 in 3 minutes or less with our secure online application. Same day payments, and no hidden fees or charges - just big help when you need it the most. No worries!

If things have gone sideways and you need a little extra cash quickly, you’ve come to the right place. Sunshine Loans has been helping Australians secure small loans of up to $2,000, fast, since 1999.


How much cash can I borrow?

Sunshine Loans approves loans of up to $2,000. Whether you need $150 or $2,000, we make borrowing small loans quick and simple.

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.

How do I apply?

We accept applications online 24/7. So long as you have a phone, tablet or computer at the ready, you can apply any time.

Completing your online application will only take 3 minutes or less, just make sure you have the following information handy to complete your application:

  • 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)

What are your minimum requirements?

To receive a small 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.

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.

Why thousands choose Sunshine Loans

  • 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 small loan

If you’re looking for a fast cash loan, without the paperwork and tedious application process, you’ve come to the best place.

Sunshine Loans works hard to make borrowing small loans of up to $2,000 quick and simple.

Apply online 24/7 in 3 minutes or less, and once approved and signed, we’ll deposit the money into your bank account the same day (weekdays only).

No hidden fees or charges, and you can pay off your loan at any time – without penalty!