Rating based on 50 reviews

Sunshine Loans

  • Short-term loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 63 days

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

About Sunshine Loans

Sunshine Loan Centres have been operating for 18 years, having been founded in 1999. They have a good track record and hundreds of satisfied customers that have made use of their short-term loans over the years.

Their website has a minimal look and feels to it with only the essentials being included. Although it would be nice to see a little more information on their About page – you can find everything that you need.

Get a short-term loan

Sunshine Loan Centres offer personal loans that start at $150 and go up to $2,000. These loans can be used for a wide range of things including paying bills, covering a cash emergency, buying a birthday gift for someone, for travel money or even to pay medical bills.

Why choose Sunshine Loan Centres

  • Clear loan costs
  • Australian-owned and operated
  • Long and well-established history
  • A quick online loan application
  • Loan from $150 to $2,000
  • Friendly customer service
  • Existing customers get instant loan approval
  • Easy to contact

Sunshine Loans Services

At Sunshine Loan Centres you can apply for an unsecured quick loan of between $150 and $2,000.

This lender only offers loan terms of 62 days or, 9 weeks. You can apply for a loan online with this lender and get your cash on the same day. This means that it is not a payday loan but also fall short of being a typical personal loan – hence we have decided to place this lender in the short-term loans category.

What a loan will cost you

Sunshine Loan Centres do not charge interest in the typical fashion but charge an establishment fee of 20% of the principal loan amount and a monthly fee of 4% of the principal amount until the loan is paid off in its entirety.

A clear loan costing structure

While many boutique lenders make it difficult for customers to find, see and understand their rates - Sunshine Loan Centres have done a very good job of ensuring transparency.

This is another indication of a lender that is reliable and trustworthy – something that you’d expect from a lender with almost 20 years of operational experience! 

Sunshine Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 63 days to 63 days

Benefits of Sunshine Loans

  • Short-term loans up to $2,000
  • Get a loan within 2 hours
  • Loan term up to 63 days
  • Competitive interest rates from 48%

Short-term loan calculator

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

With only a few clicks you can gain access to information on all of their amazing loan options

One of the best things about Sunshine Loan Centres is that they offer a 100% online loan application so you don’t have to wait in a queue, fill in paperwork manually or leave your home to get a fast loan.

Australian owned and operated

Sunshine Loan Centres is owned by a family of Australians and is operated by them as well. They are a registered credit provider and abide by industry rules and regulations.

Loans for self-employed

Since Sunshine Loan Centres use bank statements to verify that an applicant can afford the credit they are applying for, even people who are self-employed can easily and quickly get a short-term loan with them.

Once you’ve filled in an application the team at Sunshine Loan Centres will check your identity, verify your income and expenses and then run a credit check before letting you know of the outcome of the application.  This is typically done in under an hour after which you will receive a loan contract to sign digitally.

Who is it suitable for?

This lender will be a good choice for anyone who wants a small loan under $2,000 and has no interest in encountering any red tape along the way. If you need a personal loan fast – a loan from Sunshine Loan Centres can sort you out.

man holding thumbs up

Sunshine Loans is a trusted & reliable provider of short-term 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

August 2018

Sunshine Loans helped to chase the Sunday blues away! I did not know how I was going to make it through the month after receiving the unexpected bill but Sunshine got me through without the stres...

Peter J
— Benalla —

April 2019

From affordable and fair loan products to excellent and knowledgeable staff I have to commend Sunshine on their services. I was not able to fault a single thing regarding their performance. I kno...

Megan C
— Derby —

June 2018

The online application was very impressive. Not only did it not take long to complete but I also got a near instant response. Keep up the excellent service!

Jarred D
— Fremantle —

Sunshine Loans Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 111, Pacific Fair, 4218, Australia

Opening Hours

  • not available