Rating based on 26 reviews

Sunshine Loans

  • Payday loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 9 weeks

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Author Sunshine. Screenshot of Sunshine website.
[Accessed May 3, 2023]

Sunshine Loans – Quick payday loans

Sunshine Loans is a credit advance provider that aims to help clients in their darkest times. With a track record of more than 10 years, Sunshine Loans have always been available to assist when Australians need an emergency loan the most.

With a loan operation that has been in existence since 2009, this Australian-possessed and functioning organisation aims to please. With a maximum amount of $2000, they are certain that clients will be glad to know that they are just an online application away when they are in a financial problem.

Online application

Technology has made things so much easier lately. What used to take some a week to complete can be executed in a matter of seconds by computer, tablet or smartphone. The online payday loan application has been implemented in the easiest of ways.

Furthermore, should a client’s loan application be approved, he will sign his contract online. This has proven to be rather convenient for many customers who were not really keen to stand in long and dreadful queues.

No discrimination

At Sunshine Loans, they don’t believe there are “good and bad” clients. Everyone is treated with the same grace, respect and care and is offered a personal loan regardless of the good or bad credit history.

Bad credit? No problem

Seeing that there is no documentation needed for your online loan application, this will fast-track the process for you and you will have a response in no time.

In order to qualify for a credit advance at 1 Hour Loan, you have to be an Australian citizen, 18 years old and have a constant salary that has been deposited into your bank account. In addition, you also have to give them documentation that will prove to them that you are genuinely from Australia.

Correct information

Clients need to submit an online application and ensure that they fill in the online application correctly. In addition, they need to ensure that they have furnished them with the correct information.

Lying about your details or exaggerating certain information will eventually come back to bite you. That said, the sooner you bring forward the correct and accurate information, the faster your fast loan application will be.

Loan terms

The maximum loan term for Sunshine Loans is 9 weeks. This means a client has up to 9 weeks to repay back the loan that he borrowed. If you know you will not have the money after 9 weeks, it is best to not apply for a payday loan, to begin with. There is no reason to have a bad credit record for something you could have avoided. Further to that, a bad credit history will follow you everywhere you go so it is better to be on the safe side and refrain from applying for credit advance.

Sunshine – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 1 week to 9 weeks

Benefits of Sunshine

  • Flexible repayment terms
  • A transparent loan service
  • Quick and easy loan applications

Payday loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This payday loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Sunshine loan - Get a payday loan fast

Clients will need to undergo an online application which takes less than 5 minutes, depending on how fast you are. The application will then be analysed by agents who will check if you are suitable for their short-term loan options.

If everything appears to be in order, the customer will then sign the contract electronically and the funds will start making its way to your bank account.

Minimum requirements

In order to qualify for an online loan at Sunshine, you have to be 18 years or older, earn an excess of $300 on a weekly basis and the money can’t all be derived from Centrelink or pension. There has to be an additional income you are getting besides an income from these two organisations.

Loan turnaround times

Depending on the time a client signed their online loan contract, the funds may be available immediately or the next business day.

Loan repayment

The payday loan repayment will depend on what the client prefers. Generally, they can set up a direct debit system which saves a lot of time. Additionally, other clients pay to prefer payments made via debit or by directly walking into a bank.

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Sunshine is a trusted & reliable provider of payday loans

In our review, Sunshine adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Sunshine is a registered credit provider in Australia: ACL 390556

Customer Reviews & Testimonials

Super fast service, That was easy and didn’t take long at all to apply for my loan.

Peter B
— Brisbane —

I got my loan really quickly if you are needing a loan at a quick speed then you should really use them,

Steven K
— Perth —

Great service and they come highly recommended by me.

Rajesh A
— Sydney —

Sunshine Contact

Physical Address

  • 50 Cavill Avenue, Surfers Paradise Gold Coast QLD 4218 Australia
  • Get Directions

Postal Address

  • PO Box 111, Pacific Fair, Queensland, 4218, Australia

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours