Sunny offer a line of credit from £100 to £1000 for up to five months. At Sunny, you’ll never pay a fee so you don’t have to worry about application fees, funding fees, rollover fees or late fees. You’ll only pay daily interest on what you borrow.

They offer several flexible payment schedules for you to choose from, the quicker you repay your balance the less interest you pay. At any point you can repay the remainder of your balance early without being charged an extra fee, you pay only the daily interest on the amount you borrowed.

This is a brand new alternative to the traditional Payday loan and one that we feel will be very popular.
After you apply you will get a credit limit, then it’s up to you. Either borrow the whole credit limit, or just borrow part of it. After that, there’s no need to reapply.
If you need more cash and you haven’t used up your credit limit, then you will be able to keep getting the cash you need until you have reached your credit limit.

What loans are available and what are the loan terms?
What is the maximum loan term?Up to 5 months
Is same day funding available?Yes
What's the charge for same day funding?£0
What's the charge for the administration or processing fee?£0
What is the maximum loan for a first time customer?£500
Will they pay out my loan on a weekend?Yes
Are there any rollover or extension options?No
Can I manage my account online?Yes

Basic application criteria to apply for a payday loan
What’s the minimum application age?18
Do I need to be a permanent UK resident?Yes
Will they run a credit check on me?Yes
Is there any minimum income criteria?No
Will they still consider my application if I am on state benefits or if I am unemployed?No
Will I have to send any documents to get my loan approved?Sometimes
Do I have to have a Debit Card?Yes

Information about the lender
FCA Interim Permission:594425
Contact Number: 0800 731 5444
Address:Think Finance (UK) Ltd.
Fortress House
Skyliner Way
Bury St. Edmonds
IP32 7YA


WARNING!! Late repayment can cause you serious money problems. For help, go to



Charges for Non-payment

Before taking out a loan do consider when is your next payday and whether you have the funds available to repay the loan. If you are not in a position to repay your loan then charges maybe added to your loan amount.

Always read your credit agreement thoroughly and make a note of default charges that can be added if you do not pay your loan on time.

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