Small Cash Loans

Whether your car's broken down or you need a little extra money to help family and friends, Sunshine Loans has you covered with our small loans. Instead of stressing, know that we're here when you need a helping hand. Forget the mountains of paperwork and long waits – simply apply online with our secure online application.

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 from $2,050 to $2,500. We make borrowing small loans fast a stress-free process. 

How quickly can I receive the money?

Completing our online application form should take you  minutes. Once your loan is approved and if you sign the contract, the funds will be transferred to your account instantly.

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. Our small cash loans can cover all kinds of occasions and if you 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 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, Medicare 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 from $2,050 to $2,500:

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

  • Our loan repayment terms generally run for a period of 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 $700 a week ($1400 a fortnight). Regular income can come from employment 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.

  • You'll receive approved and contract signed, funds paid directly into your bank account, instantly.

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

  • There's no penalty if you pay off your loan early.

Apply online for a small loan

If you're looking for a fast cash loan, you've come to the best place.

Sunshine Loans works hard to make borrowing small loans from $2,050 to $2,500 quick and simple.

Apply online 24/7, once approved and contract signed, we'll deposit the money into your bank account instantly.

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

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