Rating based on 46 reviews

Sunshine Loans


  • Quick loans up to $2,000
  • Apply and sign online
  • Low-interest starting from 4%

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Sunshine Loans homepage

Author Sunshine Loans. Screenshot of Sunshine Loans website. [Accessed September 11, 2021]

About Sunshine Loans

Even the most prudent spender can encounter financial difficulty or cash flow shortage and it is for these very moments that Sunshine Loans is here to lend a helping hand.

Get a small loan - quickly

It simply doesn’t make sense to have to complete form after form after form to get a short term loan does it? We don’t think so either and neither do the big banks since they never lend small amounts.

At Sunshine Loans we offer quick loans to Australians to cover them in emergencies and help them get through a tough month.

We care & always will

At Sunshine Loans we really care about our customers and will therefore always try to make their lives as easy as possible so when they apply for a quick loan with us we will always make sure they can get through the application quickly and get their money on the same day.

Sunshine Loans Services

We offer quick cash loans of up to $2,000 to all Australians who are employed and meet our basic credit and income requirements.  

Using your loan

We don’t really mind what you spend your money on - from paying household bills to buying a new mobile after losing yours - our emergency loans are designed to help people who are experiencing a cash flow shortage or those who want to make a purchase or outing they can't afford outright.

What's on your mind?

Unlike most payday lenders we always have a wide range of communication lines open to our customers.

If you have a question, need help with your short-term loan or just have something on your mind - contact Sunshine Loans and we will gladly assist you.

Sunshine Loans Quick loan

  • Loan Type Quick loans
  • Interest Rate from 4%
  • Loan Amount up to $2,000

Benefits of Sunshine Loans

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

Get your loan approval quickly and easily with Sunshine Loans

As an Australian owned and run company we want to bring simple, fast and affordable short-term loan solutions to average Australians in their own homes!

With us, you can apply quickly online, get conditionally approved in minutes and have your online loan credited on the very same day that you apply!

Do you meet the minimum requirements?

We require you to be 18, an AU citizen and employed at a job that brings in a regular income that can be demonstrated by payslips and bank statements. You must, upon applying, provide an ID, 90 days bank statements, recent payslips and proof of address.

We are required by law to ensure our customers can afford the quick loan that they are applying for and therefore must conduct a credit and affordability check.  

Although it is necessary for us to run a credit check - if you have a bad credit score it does not mean that we will turn you away- as long as you demonstrate that you can afford to make the necessary repayments on the loan.

Bad credit - try us

At Sunshine Loans we diligently access each and every emergency loan application individually - ensuring that we are unbiased and fair when making lending decisions. If you meet the eligibility requirements as listed above - you can then proceed to fill out our loan application form online which should only take you about 5 minutes to do!

We will ask you how much you want to borrow and for how long, for your personal and contact information, as well as your employment and income specifics.

Why use Sunshine Loans

To apply for a loan online all you need to do is fill in our simple application form which is available on our website. From your personal and employment information to your income and expenses - we will gather everything we need to process your online loan application efficiently and quickly.

The form should take you no longer than 5 minutes to complete and you have the loan credited to your active AU bank account within 60 minutes after signing the loan agreement form.

No need to visit your local bank, wait in a long queue or fill up lots of paperwork - just open your internet browser, fill in our simple loan application and you'll have cash in your account in under an hour!

We will set up an automatic debit to retrieve the quick loan repayment directly from your account on the same day that you get paid by your employer - so you don’t need to worry about making deposits or forgetting about them!

man holding thumbs up

Sunshine Loans is a trusted & reliable provider of quick loans

In our review, Sunshine Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

Sunshine Loans is a registered credit provider in Australia; ACL 390556

Customer Reviews & Testimonials

February 2019

Sunshine Loans will never give you a loan without looking at your monthly budget first.

Matilda R
— Maitland —

March 2019

Sunshine Loans gave me a loan when I was at the verge of throwing in the towel.

Ryan T
— Cairns —

June 2019

Applying for the Sunshine Loan took me ten minutes to complete.

Peter P
— Perth —

Sunshine Loans Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

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