Click this link to go to the application page: APPLY HERE 

How our Application Process and Payday Loans UK Service Works

Our Service:

  • We offer payday loans only
  • We are competitive with the lowest cost loans in the UK
  • We have no hidden costs
  • No additional fees
  • We are registered with the FCA (Financial Conduct Authority)
  • We are transparent; our policy always indicates the total amount repayable
  • We always give payment deadlines
  • Free application
  • Loans from £100 to £500

Our Payday Loans UK Service application is simple and gives you access to money when you need it most subject to approval. You simply apply online by completing our application form and once approved we will send you an email and your payday loan will be paid into your account as quickly as we possibly can. Application for our payday loans is free – we have no Admin or other fees.

Short-Term Lender and Broker Service; a Combined Application.

As a registered and reliable Short-Term loan lender in the UK we have a transparency policy which means we always give the total amount which has to be repaid. When you are looking for payday lenders only, Sunshinecredit.co.uk is your best provider.

When you apply with us, you are effectively giving us the opportunity to fund you ourselves if we are able to, however, the in the event that we cannot fund your loan directly, we try to find you an alternative Lender by using our free Broker Service. Your Application covers both so you do not need to apply more than once. Please refer to our Terms and Conditions for more detail.

We also give the deadlines for repayments so that our borrowers do not end up with unexpectedly high repayments because of late payments.

We are also able to act as a Broker for you and, again, this would be a 100% free service to you; we do ask for any fee and will not take any monies from you – ever. This is our Guarantee to you. Please note, that in the event you do use our Broker service, we may accept a commission from a Lender or 3rd Party that accepts your application.

We understand that the APR percentages look exceedingly high but at Sunshinecredit.co.uk we would like to help you understand what the APR percentages mean. With an APR of 302.1 % (per year), a typical example shows that if you borrow 100 pounds until your next payday, the total repayable cost is 112 pounds with an interest amount of only 12 pounds to be paid back.

The short term loans we provide ourselves are direct from Sunshinecredit.co.uk. It is for this reason that we are one of the UK’s most trusted Payday lenders. As a UK payday lender we only offer quick loans to customers who live and work in the UK and who have a UK registered bank account.

Our rules stipulate that you must be over 18 years old, but you do not have to be a home owner or have a completely clean credit rating. Interestingly, our short term loans could help you improve your credit rating if used correctly.

Compare payday loans first but we are best! 

Sunshinecredit.co.uk operates solely online. Applications are completed and accepted via a safe and secure form. The online account allows customers to conveniently manage payday loans at any time of day. When your payday comes around you should repay us via your Bank Account directly since we do not operate a Continuous Repayment Scheme and instead rely upon you, the Customer, to repay at your convenience. If the loan cannot be paid back we urge you to contact us because, in some cases we can offer extensions albeit only up to a maximum of two. It is important to know that additional charges will occur – i.e. additional interest calculated at a maximum 0.8% per day – and loans should only be extended under exceptional circumstances.

Sunshinecredit.co.uk is part of the Consumer Credit Trade Association for your protection. We are committed to providing good practice and a trustworthy service. We abide by advisory guidelines as set out in the ‘Good Practice Customer Charger” and we offer information and advice regarding payday loans. We make our customers aware of independent organisations such as the Citizens Advice, Consumer Credit Counselling Service and National Debtline. We have a dedicated customer care team who are always available to help.

Late Repayments

Please note that Customers who do unfortunately pay late may incur a default fee of £12. All charges are clearly defined and presented to every customer prior to signing the loan agreement.

If you do not repay within 7 days following your loan repayment date, we may add additional interest calculated at a maximum of 0.8% per day late up to a maximum of 30 days.

Please be aware that defaulting on your Loan Agreement (non-payment) can have a negative affect upon your Credit Rating.

Representative Example:

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