Sunny Loans

Who are Sunny?

Sunny are a UK lender, headquartered in London and owned by Elevate Credit Trading International, a provider of credit solutions across the world, including the UK and America.

Offering short-term and instalment loans of between one and 14 months, Sunny doesn't charge any fees, even for late payment. They have been scored highly by customers on TrustPilot, earning an average score of 9/10, which places them in the ‘excellent,’ category.

Sunny Loans

What is the duration of a Sunny loan?

Sunny loans are offered for between one and 14 months. The duration of your loan depends on the amount that you wish to borrow, with the larger the sum, the longer the loan term.

How much credit can you apply for?

You may apply for a loan of between £100-£2500, although the amount that you are offered depends on Sunny’s assessment of your loan affordability.

What is Sunny’s loan application process?

All applications are submitted online by completing a short online form. You will be asked about your financial circumstances, including regular income and expenditure and employment details. You must also supply your address history for the last three years, along with your bank account and debit card details.

As part of the application process, you are also required to set up an online account. To activate it a verification code will be sent to your mobile phone, enabling you to log in to check the status of your application.

What are the requirements?

To apply for a loan from Sunny you should:

  • Be a UK citizen
  • Have a UK bank account and debit card
  • Be at least 18 years of age
  • Have a net income of at least £500 per month
  • Have a mobile phone

How quickly will I receive my loan from Sunny?

Sunny aims to send your loan within 15 minutes of approving your loan. From here It can take around one hour for your bank to deposit the money into your account. Sunny process it’s loans 24/7, including bank holidays, so there will be no delay if you apply out with office hours or during the weekend.

get money in your pocket in 15 minutes with Sunny

What do Sunny charge?

The amount of interest charged depends on the amount that you borrow and for how long.

The table below contains examples of what you could expect to pay back when borrowing from Sunny, although with the typical loan terms for each amount:

Sunny Table

How much will you repay?

Representative Example

Loan amount £2500, repayable over 14 months. Total amount repayable £4627.24 in 14 payments of £330.51. Interest 128% p.a. fixed. Representative 238% APR.

Do Sunny charge penalties?

Sunny don’t charge any penalties, even for late payment, which sets them apart from many other short-term lenders, who typically enforce a late payment charge of £15.

Can I repay my Sunny loan early?

While Sunny loans have a fixed duration depending on the amount that you borrow, you can repay early by logging into your online account to manage your repayments.

By repaying early you will reduce the amount of interest on your loan and therefore the overall amount that you have to pay back.

Will Sunny run a credit check?

Sunny are a reputable lender, who are accredited by the Financial Conduct Authority (FCA) and as such, they are obliged to run a credit check as part of your loan application process.

to borrow money from a Sunny lender you will have to undertake a credit check

Their decision about whether to lend you money won’t be based on your credit score alone. They will also review the information provided in your application form to assess your loan affordability, and ability to comfortably make repayments.

What help and support do Sunny offer?

The UK-based Sunny Customer Support Team are available Monday – Friday from 8 am – 5 pm. You can contact them by telephone on 0800 7315 444 or 01284 715 444 by email on or through their Facebook and Twitter profiles. There is also a live chat function on the Sunny website, accessible through your online account.

Where can you find online reviews of Sunny?

Sunny works with business review platform TrustPilot to provide genuine reviews from previous customers. There are currently nearly 2000 reviews on there, which are overwhelmingly positive, earning the lender an average score of 9/10, placing them in the ‘excellent,’ category.

What are Sunny’s FCA registration details?

Elevate Credit International Limited is authorised and regulated by the Financial Conduct Authority, registration number 673771. You can check the details here.

Applying with CashLady

Applying through CashLady involves just one application, which relieves the time and effort spent trying to find your perfect loan.

We’ll bring you a selection of suitable quotes from various providers, including Sunny, using our in-depth knowledge of the market, plus portfolio of over 15 loan providers, to match you with the ideal financial solution for your needs.

Simply complete our simple application form and we’ll provide the relevant rates and prices, repayment terms and other important details that will help you to compare loan options.

Here’s a quick comparison table, highlighting some of the differences when you apply with CashLady:

Cash Lady Sunny Loans
Representative APR% 1272 1293
Loan Duration Up to 12 months Up to 14 months
Repay Early Yes Yes
Panel of Lenders? Yes No
Loan Options (Number of Lenders) 15 1

How to contact Sunny


0800 7315 444
01284 715 444


Registered Address

27/28 Eastcastle Street

Here is a quick comparison table between CashLady and Sunny Loans:

Correspondence address

Should you wish to contact Sunny service use the following contact details:
Blenheim House, Newmarket Road, Bury St Edmunds, IP33 3SB
Contact Telephone: 0800 7315 444

Read our full review of Sunny

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Representative 49.9% APR
Representative Example
Amount borrowed: £1200 for 18 months
Number of repayments: 18
Interest rate p/a: 49.9% (variable)
Each repayment amount: £90.46
Total amount repayable: £1628.28
Secured By Comodo EV SSL members of the CFA

Customer Satisfaction & Reviews

CashLady is rated 4.5 stars by and Smart Money People based on 2350 merchant reviews is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders for the purposes of entering into short-term unsecured loan agreements. does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website. is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309) *Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. Loans available to over-18s only, subject to status © 2019