Rating based on 6 reviews

Sunshine Loans

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

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Sunshine Loans homepage
Author Sunshine Loans. Screenshot of Sunshine Loans website.
[Accessed May 24, 2023]

About Sunshine Loans

A sleek and geared entrant into the fast loans market, Sunshine Loans has a very efficient and attractive online presence.

Since making the foray into micro-lending circa 1999, they have established themselves as a reputable and known player in the field.

A simple lender

With a limited offer that is well met by many Australians, Sunshine Loans has been able to tweak their online loan application processes. It shows in their well presented and logical landing page that enables everyone to glean the necessary information and get on with an application.

Simple returns made easy

Possibly unique among lenders in this echelon, as a returning client in good standing, a single phone call is all it takes for the reactivation of a short term loan account. Sunshine Loans have enabled not only an easy and brief application process for any client, but also a super quick and endearing process for known clients.

While not offering to roll over or refinance existing loans, they do facilitate the return of clients with this process.

Australian through and through

A proudly Australian company, Sunshine Loans makes sure that all prospective clients know they are Australian born, managed and owned and this goes some way towards establishing their bona fides too.

Sunshine Loans Services

Coming at consumers with a very tailored offering, both the minimum and maximum fast cash loan repayment period is 63 days (9 weeks). Sunshine Loans have a minimum loan amount of $150 and a maximum amount of $2000.

Loan costs

Very much in line with a host of its peers, Sunshine Loans offers loans at a price of an establishment fee and monthly interest.

This fee is 20% of the loan amount and the monthly fee is 4%. Unlike other longer-term loan entities, there is no APR to consider (an annual percentage of interest levied on the loan) and their structure is simple - a once-off and a monthly fee.

No early repayment penalties

Something to consider on both sides of the fence would be the fact that, firstly, there is no penalty for early settlement. Secondly, however, there are punitive charges if one is running behind (re)scheduled repayments. A fee of $30/week is levied on late accounts.


Notwithstanding that a client may well call to rearrange things, the $30/week seldom comes to a waiver if rearranged schedules are skipped. Potential clients - especially those borrowing a small amount - would do well to ensure they can meet arranged personal loan repayment dates.

That said, schedules are flexible and staff will help prospective clients come to genuine affordability.

Sunshine Loans – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 16 days to 9 weeks

Benefits of Sunshine Loans

  • Interest rates starting from 48%
  • Get a loan in 1 hour
  • Qualify for quick loans up to $2,000
  • Get loan terms up to 9 weeks

Quick loan calculator

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

We make getting a quick loan as simple and as fast as possible

Really simplifying and clarifying the quick loan process, Sunshine Loans has gone a long way towards wading through the copious consumer protection legislation and presenting a common sense offered.

Notable among its peers for its ability to be simple, elegant and user-friendly in the extreme, Sunshine Loans seldom disappoints.

Formalised flexibility

Sunshine Loans also shines in having formalised the rescheduling of repayment request from a customer (something that is seldom declined).

Can’t afford to make your payment?

Not only are they reasonable and open to rescheduling, they ask that anyone suspecting looming difficulties merely ensure that they approach the company 2 business days ahead of the due date.

A valuable offering

A flexible and easy payday loan from Sunshine Loans has enabled many Australians and according to statistics, while they are growing steadily, the bulk of their dealings are with return clients, not unsurprising for a family-owned, local business. This is always a good measure of a company’s value and overall offering.

Ensure that you can afford the payment before applying for credit

It is important that as much as you might be looking for financial assistance, failing to pay your quick cash loan will not work towards your favour. It is important that you work out the loan payment on your budget prior to actually applying for credit.

Making use of the loan calculator will always make things easier as you will be able to see the approximate amount you will be due to pay should your quick cash loan application be approved.

If you are not too certain that you will always have the required payment on time, it is best to not apply for credit in the first place. We don’t want our customers putting their budgets into hideous financial constraints that will prove to be difficult to come out of.

Need a little advice?

Make use of our agents as they are always a phone call away or an email away from meeting your financial demands. If you have any query, contact us and we will explain everything to you in further detail. After all, that is what we are here for – to assist you with every financial and credit need.

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 Protection Act, 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

October 2018

Thanks to Sunshine Loan Centres, I got a quick cash loan I can actually afford to pay.

Gregory P
— Bathurst —

October 2018

The loan application system that Sunshine Loan Centres uses is fast, easy and convenient.

Melinda G
— Mount Isa —

April 2019

Finally, I found a credit provider that offers affordable interest rates on quick cash loans.

Luke M
— Port Pirie —

Sunshine Loans Contact

Contact Number


  • not available


Physical Address

Postal Address

  • Sunshine Loan Centres PO Box 111, Pacific Fair, 4218, Australia

Opening Hours

  • Monday 08:30 – 16:30
  • Tuesday 08:30 – 16:30
  • Wednesday 08:30 – 16:30
  • Thursday 08:30 – 16:30
  • Friday 08:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed