Small Cash Loans

Whether your car's broken down, your rent's overdue or you need a little extra money to help family and friends, Sunshine Loans has you covered with our small loans. Instead of stressing about how you're going to make ends meet, know that we're here when you need a helping hand.No matter the reason you need extra cash, we approve small cash loans with minimal fuss. Forget the mountains of paperwork and long waits – simply apply online in 3 minutes or less with our secure online application.

We offer same-day payments and no hidden fees or charges, so you can get help when you need it most. If something unexpected has happened and you need cash quickly, you've come to the right place.


How much cash can I borrow?

Sunshine Loans can approve small cash loans up to $2,000. Whether you need $150 or $2,000, we make borrowing small loans fast a stress-free process. Once your loan has been approved and you've signed online before 4:30 PM AEST, we'll deposit the cash directly into your bank account the same day (conditions apply).

How quickly can I receive the money?

Completing our online application form should take you no more than 5 minutes. Once your loan is approved and if you sign online before 4:30 PM AEST, we'll deposit the cash directly into your bank account that same day (conditions apply).

We may not always be able to transfer you the money the same day you get approved, but we'll do everything we can to get the funds into your account as quickly as possible.

What can I use small cash loans for?

Perhaps your car's broken down, you've had an unexpected bill pop up, or you need a little extra cash for a special occasion. Regardless of why you need the money, our small cash loans can cover all kinds of expenses.

We understand that it's not always easy to ask for money from friends and family. You might not be sure how they'll react, or you may need the cash as quickly as possible. Even if you only need to borrow a small amount, getting it right away can make a big difference.

At Sunshine Loans, we pride ourselves on our responsible lending approach. Even though we approve small cash loans extremely quickly, we ensure every applicant satisfies the eligibility and approval criteria.

How do I apply?

We accept applications for small loans online 24/7. If you have access to a phone, tablet or computer, you can apply any time. Completing your online application should only take around 3 minutes.

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, ccount name, BSB, account number).

Small Cash Loans – Costs and Terms

By applying for a small loan with us, you won't have to worry about hidden fees or charges. We work hard to make sure our terms are simple and our fees are transparent.

Here's what you'll pay for a short-term online loan up to $2,000:

  • 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 to 16 weeks, but you can pay out early at any time without penalty.

Other fees may apply if you miss a payment or if you fall behind.

Short-Term Loan Minimum Requirements

To get approved for our small cash loans, you'll need to meet the following 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-time or full-time job and government benefits (e.g. Centrelink). It cannot come from Centrelink or a pension only.

Why Choose Sunshine Loans

  • We're Australian owned and operated.
  • We've been helping Aussies secure small loans since 1999.
  • We offer a simple and secure online application so you can skip the paperwork.
  • You'll receive approved funds directly into your bank account, fast.
  • Our fees are transparent, and our loan terms are simple.
  • There's no penalty if you pay off your loan early.

Don't just take our word for it! Here's what recent Sunshine Loans customers have 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!

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