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Frequently Asked Questions ( FAQ’s )

Is a Payday Loan Direct Lender?

We are a payday loan direct lender (although we act as free brokers too in the event we are unable to fund you ourselves albeit we would much rather be your Lender ourselves!). This means you are dealing with the company that will hopefully provide your Short-Term loan. As a highly-respected Lender and Broker, you can find us on Comparison websites to Compare Payday Loans and read our Reviews!

When will I receive my Sunshinecredit loan?

If your application is approved by us we hope to have the cash in your account between 15 minutes and 24 hours after being accepted; this is very much subject to your own Bank’s money transfer process and speed thereof.

How much cash will I be able to borrow?

Anywhere from £100 to £500 depending on personal circumstances.

You BorrowYou Payback

Why is the APR so high?

This is a common question and is true, taking the Annual Percentage Rate or APR at face value it does appear to be quite high.

However, looks can be deceiving and while APR is a common method for comparing finance that is lent over a period of 12 months or more, a short-term loan from a payday loan direct lender such as ourselves, is set at a period of 1 month and therefore an Annual calculation can be misleading for any comparison purposes.

The true picture is this: the daily interest rate is 0.4% for our loans. That is half the interest charged by most other Lenders and half the amount legislated by the Financial Conduct Authority.

Are there any charges or fees for applying for a payday loan?

The most common FAQ’s question. There are no charges for applying. Even if your application is approved you will be under no obligation to borrow the money and we will not charge you a single penny.

The Representative APR is 302.1 % (variable rate) for Short Term loans with

Can I apply for my loan over the phone?

No, sorry, all applications must be completed online. This is for your protection as much as anything else. The reason being we have a far more secure process if all your data is going straight onto a Secure Socket Layer Application Form. This also protects your Privacy, something we are very strict about.

If you do have any questions contact us via email:

How do I pay back the loan to

You are in 100% complete control of how you repay us. We do not use the Continuous Payment Authority and so rely solely upon you logging into your online Banking or visiting your local Bank Branch and making the payment personally.

This payment method protects you and ensures that you are never left short of funds in your account.

We know most – if not all – other Lenders prefer to have direct access to your Account but we feel the opposite; we believe in what is best for you. Obviously we want you to repay us on time, but if you can’t, we do not want to be taking cash out of your Account that you may desperately need for basic needs items.

This doesn’t mean we are encouraging you to repay late or take advantage, we are simply giving you the flexibility to control your own finances as you see fit. It is always in your best interest (literally!) to repay debts as quickly as possible.

Indeed, if you repay us early, we will reduce your interest by the number of days that you repaid sooner than your Loan Agreement end date.

What can I use the money I loan for?

Absolutely anything you want however we strongly recommend it is used only for emergency or urgent funding shortfalls. Please do not use this type of short term loan for long term debt.

Will you contact my employer?

Nope, we will never ask to speak to your Employer. We ask for your Employer’s details, sure, but this is so that we can satisfy ourselves that you are employed. If we need proof, we will not include contacting your workplace as a part of the verification process.

Do you accept people who have a poor credit history?

All applications which meet the basic criteria will be considered by, your Payday Loan Direct Lender with a difference; we care!

Warning: Late repayment can cause serious money problems. For help, please go to

Representative example:

Borrow£250 for 25 days
Interest rate146% pa (fixed)
One repayment of£275
Representative302.1% APR