Sunny

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Company Information

  • Company Name:
    Sunny
  • Website Address:
  • FCA IP:
    594425
  • Business address:
    27/28 Eastcastle Street, London, W1W 8DH
  • Phone number:
    0800 7315 444

Sunny provides instalment loans with straightforward pricing. These short term loans put the borrower in control and help with temporary financial hurdles. Sunny guarantees fairness and transparency in all of the financial products offered. Because Sunny is regulated by both the Financial Conduct Authority and the Financial Services Register, consumers can rest assured that they are dealing with a reliable provider of short term instalment loans.

APPLICATION REQUIREMENTS:

Qualification for a loan with Sunny simply requires borrowers to be employed UK residents with a UK bank account. Borrowers need to provide some basic information regarding their employment status, bank account, and place of residence. All of this information can be submitted over the Internet, and applicants will receive a quick response regarding their approval for a loan.

LOAN AMOUNT AND CHARGES:

Loans offered by Sunny are offered in amounts ranging from ¬£100 to ¬£2,500. The loan amount for which an applicant is approved is determined by that applicant’s unique financial situation and ability to repay. These loans will have an interest charge that will never be more than 0.8% per day. With Sunny, there are no additional fees. Loans are made over a fixed term, but borrowers have the option of paying off the loan early so that the overall interest charge is reduced.

PROCESS:

The entire process of applying for a loan with Sunny can be completed in minutes. Applicants simply need to submit an application online and wait for their decision. Once they receive an approval, applicants can wait up to five days to decide if they’re sure they want to go ahead and borrow the money. If they decide to go ahead with the loan, the loan funds will be directly deposited into their bank accounts in under 15 minutes.

PAYMENT:

Borrowers can repay the loan using their debit cards. While they will make a fixed, pre-determined payment each month as described in the original loan agreement, they may opt to make additional payments during their loan term to pay off the loan more quickly. They can even update their payment plan to pay off the loan earlier if they find that they have more money than expected available to pay back the loan. This will lower interest charges over the life of the loan and thereby save borrowers money.

101 Reviews of Sunny have been submitted - read the latest 3 below

At the last minute our daughter decided she DID want a 21st birthday party and as we had already splashed out on a very nice AND rather expensive watch we were a bit short of cash. My husband suggested we take out a small loan which I was against at first but once we started looking online and I saw the instalment loans that were available I changed my mind. We chose Sunny because they seemed one of the most straightforward of all the lenders on the loan comparison website and their rates were one of the most competitive too. We did a quick bit of calculating to work out how much we would need to borrow and then applied for the loan with Sunny. We had the whole thing sorted in less than an hour and we felt really pleased that we had decided to use this type of loan. It's a short term one that won't tie us up in debt for ages and it will be repaid before Christmas. Sunny has definitely saved the day for us and now we are busy organising the 21st birthday with only 10 days in which to do it!

Review posted by M. Maynard, Carshalton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The wife's car broke down and the garage said it was not worth repairing it so we had to find the money asap to get her another car so that she could get to work. She's on shift work at our local hospital and I don't like her using public transport late at night. We did a search on the internet and came across Sunny instalment loans and thought they sounded like a good choice. Once we had done the initial application for a quote and were approved the loan for the amount we needed to buy her a decent secondhand car we didn't need to wait the 5 days to accept the loan because we were more than happy with the terms. We haven't used a loan company like this before but we were both very impressed with how quick they handled our loan and the wife hasn't had to use public transport because we bought her a nice little car through Autotrader and are collecting it today in time for her next shift tomorrow evening.

Review posted by John Durnham, Peterborough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I took out my first instalment loan a few years back I knew how much I wanted to borrow but until I had filled out the online form I wasn't sure if I'd be eligible for it. Fortunately with Sunny loans I always seem to get lucky and they always approve my loans so I think that is one of the main reasons I use them as often as I do. I have to rely on loans from time to time because of how my salary pans out throughout the year. When a bonus is due I can go without a loan for ages but they only happen every 3 years and so the rest of the time I do need the occasional instalment loan to help me afford things. When loan companies are checking your affordability they don't take into consideration any bonuses so it used to be quite tricky for me to get approved until I started using Sunny Loans and they have got to know me and my personal circumstances. I have never defaulted on one of their loans and so I think I am considered a good risk which is very reassuring as I really couldn't get by without these loans.

Review posted by Carrie Lomax, Enfield, Middx.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money