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

I chose Sunny for this instalment loan because most of the other lenders on the instalment loan comparison website are basically just payday loans with the option to pay them back over a slightly longer period. They don't let you borrow as much as I needed either so that wasn't going to work for me. It had to be a proper instalment loan so that I could get enough money to sort my daughter out with a secondhand car before she starts university in October. Her mum and I will feel happier if she can drive herself about and visit us regularly. It will work out cheaper than her getting the train all the time so I think this loan from Sunny will be worth the interest I'll be paying on it.

I've not used Sunny before but I am quite impressed with their set up and might well take advantage of another of their instalment loans in the future. We'd like to replace our old garden shed with something a bit more stylish so that we could use it as another room in the summer and a Sunny instalment loan would be the ideal way to afford it.

Review posted by Rob Dyson, Reading

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Apart from a small bank loan a few years ago to buy a car I haven't had a loan of any sort so I can't really compare this Sunny instalment loan to anything else. However I can say how satisfied I am with the whole loan process that Sunny have designed which makes applying for one of their loans very easy and straightforward. From what I can see of the other instalment loan companies, Sunny's rates are very good too which was the main reason for me choosing them. I think I would definitely consider using Sunny Loans again provided their rates stay competitive and I really think this type of loan is a very handy one for people to get a quick and affordable loan without too much trouble.

Review posted by J Littleton, Wolverhampton

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Well Sunny Loans really have made my day very sunny by sorting out this instalment loan for me in record time. I've used Sunny before and they were brilliant so I just came straight back to them for this loan to pay for a cruise in September. It was a last minute, spur of the moment, reckless decision to join my best friend who is going through a messy divorce and just wanted to get away from it all. Hubby is okay with me going without him as he'll be sloping off on a golfing trip with his mates in October. I can easily afford the repayments on these loans because I still work full time and hubby agrees that we should make the most of it while we can. Just want to thank Sunny Loans for being such a great loan company to deal with.

Review posted by Mandy Seagrove, Southampton

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Remarkably when it gets to this time of year I always find myself a bit short. I believe that Summer is to blame. I think everybody spends more in the Summer.

So to sort out a few things I went online and filled out a loan application with Sunny and really pleased I did. It was all really simple and I also like the fact that they are FCA approved. I do have a steady job with a steady income and a good bank account and this was really all they needed to know other than the fact that I was indeed a British citizen. My loan of £1500 was approved very promptly and the money deposited into my account.
I chose a comfortable period and monthly repayment amount so that I would not be under any pressure.
Thank you SUNNY for sorting my cash problem out and within a couple of days too.

Review posted by Matthew Fraser

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I find it very important to do most of the Xmas shopping early for two main reasons. Firstly there are more bargains and I can do without the crowds.
Unfortunately I only receive my annual bonus at the end of November and felt a bit disappointed until a good friend of mine told me to take out a short term loan with SUNNY.
This was a first for me but I will definitely do it again if I find myself in a tight spot. I applied online and asked for a loan of £1000 and chose 6 months to pay it off . I know that when I get my bonus I will settle and thus also save on the interest. The beauty is that it was all so easy and within a few days the money was in my account. The interest rate was fair and they were really helpful.
I'm off to begin my Christmas shopping this week thanks to SUNNY.

Review posted by Bernard Watson

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Sunny offer instalment loans that suit my borrowing requirements very well. I have used them twice and each time the amount I need to borrow has not been an issue. I am in full time employment with a good salary and Sunny's staff are happy to loan me the money.

They make sure I am always fully aware of the required repayments and the loan period that they have to be paid within.

It has been a simple process so far for me and as long as it continues to be like that I will always go to Sunny first.

Review posted by Greta Kinley

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I went to Sunny's for an instalment loan on the recommendation of a friend but I wasn't sure if they would give me the loan as I had had some problems with credit cards over recent years and thought it would go against me.

I am happy to say that they gave me the loan based on my current salary, which is way more than the average and the amount I wanted to borrow was well within my ability to make the repayments required especially as I was paying a smaller amount but over a longer period.

The fact of the matter is Sunny did not see me as loan risk in spite of my earlier credit card debts which I had paid off before I even applied for the loan. I was so relieved and so I just wanted to say thank you to their staff by posting a positive review.

Review posted by Felicity Truman

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Thank you Sunny for approving my instalment loan really quickly and helping me to sort out a few debts before I go on holiday. I know I will be able to relax and enjoy myself much more knowing the debts are sorted and the repayments wont be a problem for me when I get back.

All being well, I should have paid off the loan in full before Christmas and so if I find I need a bit of extra cash to help me out with presents (my girlfriend has expensive tastes!) I will come to you for another loan.

Review posted by Tina Basildon

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Usually when I need a bit of spare cash I get a payday loan but this time I needed to borrow more than a months salary so I had to take out a different type of loan. I went online and had a look at the Readies loan comparison website because I have been using them to help me sort out my payday loans and their website makes the search so much easier. I found Sunny were offering a good instalment loan so I went straight on to their website and applied for this loan. It all went through very quickly and I got approved within a couple of hours of applying. For some reason Sunny give you 5 days to make up your mind about whether or not you want to go ahead with the loan but I didn't need to wait because I thought the loan agreement they were offering was really good and so I got straight back to them and accepted it. I had my money within an hour of that. I think it is one of the best lenders I have used because they give you the convenience of a payday loan but allow you to borrow much more that you would normally have to go to a bank to get. I'm sure they are much quicker than a bank would be too so that was another good point that made this instalment loan so easy for me to get.

Review posted by Milly Atkins, Chislehurst

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I applied for a loan to get the money to buy my parents a 50th wedding anniversary present. I am not very organised and should have been saving a bit each month but holidays and friends wedding got in the way this summer.

My salary didn't allow me to borrow the amount I needed on a short term loan basis but Sunny suggested their instalment loan as the repayments would be smaller as they would over a longer period.

This was actually a much better type of loan for me and I am confident that repayments will not be a problem for me and Sunny must agree or they wouldn't have given me the money.


Weehhaaayy Hoorraah

Review posted by Laura

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I was let down by my bank who wouldn't give me a small loan and so I asked around and was told by several people to go online and have a look at some loan comparison websites. I don't use the internet very often but I was able to find my way around one of these websites and it was on this Readies website that I came across Sunny instalment loans. I soon realised that I wouldn't need to go to a traditional bank again because the ease at which I was able to apply for and get approved for this loan was a revelation to me. I couldn't believe how simple and straightforward the whole process was and to have my loan money within 24 hours of applying is outstanding service as far as I am concerned. Sunny Loans definitely deserve my review to say thank you for a great loan without all the bother of normal bank loan procedures which will be a thing of the past for me from now on thanks to Sunny Loans.

Review posted by Ken Broadbent, Shipley

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I have just made the last repayment on my instalment loan with this company and wanted to post a review so that I could say a big thank you to them for all the help and advice they gave me before and during the application process.

I don't know if that is the norm with loan companies as I had never had a loan before. However I had heard some nightmare stories from people who had had loans with other loan companies, whose names I won't mention, so I'm just really grateful that I am able to post a really positive review.

Review posted by Derk Vaughn

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I have just bought my daughter her first car after passing her driving test and it was all due to the great instalment loan Sunny Loans gave me. I didn't want to go to my bank for the loan for various reasons, the main one being they weren't offering particularly good rates on their small loan amounts. Sunny Loans are offering great rates at the moment and they work much faster than my bank would have done, which meant I had the funds in my bank account within 24 hours of agreeing to the terms and conditions of the loan. I was just looking for a quick and competitive small loan and that's precisely what I have got from Sunny Loans. I couldnt be more satisfied and would definitely consider using Sunny Loans again.

Review posted by M. Fitzpatrick, Buckhurst Hill

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Sunny provide a valuable service to people like myself who are very responsible
when it comes to money but because they don't earn a huge salary they are sometimes limited
in their spending through no fault of their own.

Just because I don't earn a lot that doesn't mean I can't take advantage of a loan facility
provided I can make the repayments without compromising myself financially.
That is why I always go for the instalment loan option as it allows me to borrow a decent amount
but pay it back in smaller repayments over a longer period of time.
It's commonsense when you just think about it and they seem to think they same way.

Review posted by Glen Hemshore

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I took out an instalment loan to pay for a trip to Marocco with some
friends of mine. It was a last minute thing so I hadn't budgeted for it, which is how I normally
pay for these sorts of things.

I really wanted to go as i had never been. Me and my friends have been on several holz together and had a splendid time so I was willing do to whatever it takes to get the money together.

I opted for the instalment loan as opposed to their short term loan as I didn't want to
put pressure on myself when the repayment was due with my next months salary.
This way I am able to make the affordable repayments each month and my bank balance is still healthy and firmly in the black.

Review posted by daisy.olsen

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My car had just failed it's MOT and I needed to buy 4 new tyres.
I hadn't budgeted for such a big outlay and didn't have the spare cash to purchase them but
had to get my car back on the road as soon as possible because I needed it for work.

Sunny was able to offer me an instalment loan almost immediately after doing the relevant
credit history checks and guaranteed the money would be available to me the next day.

So I got straight on to the MOT centre and told them to fit the new tyres as soon as they
could so that I could get the car back on the road ready for work the next day.

Thanks! I wasn't inconvenienced with regards to getting to work as the
journey by public transport would have been a bit of a nightmare.
So I am very grateful to them.

Review posted by George Robinson

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My best friend's hen weekend and wedding had seriously depleted my bank balance and I needed to sort out some unpaid bills before Christmas.

I started look online for a suitable loan company and liked the look of Sunny as their terms and conditions seemed very straightforward and easy to understand. After working out how much I needed to borrow and how much I could realistically afford to pay back each month I took the plunge and applied for the loan.

I am happy to say that Sunny were more than happy to approve the loan with the required repayments being near enough the same as my estimation and I have just had written confirmation of the loan and the money is being transferred into my bank account today. Yippee!

Review posted by Lara Crosby

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I asked a good friend to recommend a loan company as I knew they used them regularly themselves and they always seemed to be financially stable and debt free so I figured they must be doing something right as we both get paid a similar salary and have similar outgoings each month but I am always the one short of cash especially just before pay day.

When they suggested Sunny I decided to check them out online first and was pleased to find that I agreed with my friend that Sunny seemed like a good bet.

Suffice to say, I applied for a loan with them which they have approved and I am putting the money I have borrowed to very good use.

Review posted by David Elms

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I am not one for posting reviews as a rule but I was so impressed with the treatment I got from Sunny when I applied for my first ever instalment loan with them that I felt I really should give praise where praise is due.

Sunny was absolutely wonderful when I explained that I had applied for a loan like this before and their customer services department were brilliant in explaining anything I wasn't sure about.

I truly am very grateful to them for all their help and advice and the fact that my loan was approved and the money paid into my account within a couple of days is an added bonus.

Review posted by Heather Mill

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I have used instalment loans quite a bit over the past few years to supplement my salary and have generally been satisfied with my experience of them. So when Sunny went out of their way to accommodate me with recent loan application I felt that I wanted to write and thank them personally for all their help and advice. I feel they definitely went that little bit further with their efforts to accommodate my specific requirements and I just want to say a big thank you to everyone at Sunny for making my loan possible and it goes without saying that I will definitely be recommending them to my friends.

Review posted by Arthur

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This is my first loan with Sunny and I am finding myself wondering why I haven't taken out a loan like this before. I didn't realise how easy and straightforward it could be and the repayment schedule for the money I am borrowing is much more affordable than I realised it would be.

The negative image that some loan companies have caused is definitely not deserved by a company such as Sunny as I can honestly say they have been excellent right from the word go and I will most certainly be using them again. I have even recommended them to all my friends at the local rugby club.

Review posted by Steve

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My mum told me about Sunny when I mentioned that I was thinking about taking out a loan so that I could buy my boyfriend a watch for his 30th birthday.
She is very good at keeping up to date with all these sorts of things and is always on the internet checking out different companies and their products.

So as she had done all the tedious research work for me it seemed sensible to take her advice and go with Sunny and I am so glad that I did because they were just the right loan company for me and my loan application was approved in no time and as soon as the money was paid into my bank account I went a bought my boyfriend a really nice watch. Now he has absolutely no excuse for always being late!

Review posted by dina peterson

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I have used several loan companies over the past couple of years and not all my experiences have been worthy of me using the same company twice, but I have to say that is definitely not the case with Sunny.

This is my third loan with them and I really like their instalment loan option as it seems to be the ideal way for me to borrow money at short notice.

Also there are benefits for repeat customers such as being eligible to borrow more which is a big plus point for me.

For the time being I am very happy with Sunny and will continue to use them unless their terms and conditions no longer suit me.

Review posted by Paula wick

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I have just finished paying off my first ever Sunny loan and wanted to post a review just to say how impressed with the efficient and professional way in which they processed and approved my instalment loan.

I appreciated the help I got from their Customer Services team during the process and the advice they gave me allowed me to make a much better informed decision when agreeing to their terms and conditions.

When they wrote to say I had been approved the loan I was very pleased and knew exactly what I had signed up to repayments wise.

I would definitely recommend Sunny to my friends and family.

Review posted by Iris Sealey

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Sunny does just what they say they do, after you complete your loan application and they do the necessary credit history checks and salary verification, if they are satisfied with everything they send a letter off to you and confirm they have accepted your application. And later they have transferred the money into your account. I hate that some companies take ages to give an approval or give you a heads up that the cash has been transferred. With Sunny I am not hanging around wondering if the cash I desperately need is going to be available to me sooner rather than later. I will definitely use Sunny again in the future and have already recommended them to a friend.

Review posted by Mark Baker

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I just wanted to say thank you to Sunny for the recent loan they gave me. I needed to borrow a sum of money at short notice but couldn't afford the usual payday short term loans that are available. That's when I started looking for an instalment loan option.

After checking online I decided Sunny was my best option and I applied straight away. I was so happy and very relieved when they wrote to say that they had approved my loan and that they were transferring the money immediately. I will definitely use Sunny again if I need money in an emergency.

Review posted by Faith Evan

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I have used Sunny several times now and they have always been very satisfactory for the type of loans I need. I don't have the time to constantly search for better deals when I need to borrow money quickly so when I find a loan company that works for me I stick with them unless their terms and conditions no longer suit me.

I am happy to say that Sunny are still giving me the service I need and their terms and conditions are still acceptable for my personal requirements. I hope that continues to be the case for a bit longer.

Review posted by emma

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I have never used this type of loan company before and Sunny was recommended to me by a work colleague. I didn't want to waste time trawling through loads of loan companies online and was happy to take advantage of his personal experience with Sunny as I respected and trusted his judgement on matters such as this.

I am glad to say my work colleague's recommendation was spot on as Sunny approved my loan with terms and conditions I was happy to agree to and when they wrote to say they had already transferred to money into my bank account I was very impressed and very very happy!

Review posted by Miranda Kelly

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Sunny loans have been very helpful to me over the last few months and the instalment loan option has been a real life saver for me recently.

I have a good job and earn a fairly reasonable salary but occasionally things crop up that I just cannot budget for in advance.

Taking out a loan has been my only choice and so when I used Sunny for the first time and found that they were a company I could trust I prefer to use them each time.

Obviously if I ever have a bad experience with them then I would look at other loan companies for future loans.

However, I am very happy to say that has not been the case so far.

Review posted by Sheila & Tony

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Car troubles have been the bane of my life in recent months and the cost of repairs have dented my finances considerably. This in turn has created more problems for me and it was beginning to look like my bank balance was never going to recover from it.

I had never relied on loans up until now but I was coming to the conclusion that unless I had a nice win on the lottery there was no other option but to take out a loan.

I am hoping that this instalment loan with Sunny is just going to be a one off but I if I do need to get another loan I will definitely go to Sunny first as I couldn't fault the service I have had from them.

Review posted by fiona tibeth

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There are probably better loan companies for other people's requirements, but Sunny has proved to be the right choice for me.
I have had two instalment loans from them in the past year and they have been the ideal solution for my occasional cash flow problems.

Once you have used a loan company and got to know how they operate it makes things so much easier when you are applying for another loan.
So for me personally it makes sense to stick to what you are used to. I would recommend Sunny to friends if they asked for advice about instalment loans.

Review posted by Stephanie Houston

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My best friend suggested I get a loan with Sunny when she begged me to go on holiday with her after she had just split up with her boyfriend and I told her I really couldn't afford to take another holiday having just got back from Spain with my parents.

After plenty of emotional blackmail I gave in and applied for an instalment loan with Sunny and to my relief and my friends also, they approved the loan and transferred the money into my bank account.

We have just got back from our girlie holiday and guess what, my friend is back with her boyfriend, aaargh!!!

Review posted by Olivia

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I used my instalment loan with Sunny to treat my wifes parents to a nice weekend away. They have always been so good to us and I know how much they have sacrificed to be there for us every time we've needed them and definitely provided my wife with the best possible start in life so I felt it was about time we gave something back to them.

My wife and I had both put some money by each week for the past couple of months but we still needed a bit more and as I had saved up the least it was down to me to get the loan to make up the shortfall.

Sunny was the perfect loan company as their terms and conditions suited me and I was happy with the repayments schedule. As soon as they wrote to confirm the loan had been approved I booked their weekend away and we took them out for a special meal with the money we had left over.

Review posted by Randall Creston

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I am writing to say thank you to Sunny for all the help their customer services young lady gave me when I was applying for an instalment loan recently. I was experiencing some problems with the online application process and had to call Sunny's helpline. The young lady was extremely helpful and didn't patronise me when I asked her to explain everything in simple terms as some company's customer services people have a tendency to do.

I really wish I could remember the young lady's name and I'm kicking myself for not writing it down but I am hoping she has read this review and knows it is her.

Review posted by abigail

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I have a very busy job and I am literally on the go all the time so when I needed to apply for a loan I didn't have time to waste checking out loads of loan companies online.

The name Sunny caught my eye and I decided to give them a try after reading their website profile and terms and conditions.

After the application process I was more than happy that I had chosen them so I was just anxious to know if they had approved the loan. To my surprise and relief I got a letter the next day to say they had approved the loan and were transferring the money into my bank account immediately. Now that is a company worthy of it's customers!

Review posted by Diane Rose

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I took out an instalment loan with Sunny to help me pay for a new boiler after my old one finally gave up on me. I was anxious to get the new replacement one before the winter and with our typical British weather it seemed as though we had fast tracked straight through Summer and were already firmly into a rather chilly Autumn! I am pleased to say Sunny approved the loan and confirmed everything in writing within a couple of days enabling me to get straight on to the task of sorting myself out with a new energy efficient boiler in time for another great British Winter.

Review posted by Ian

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My wife suggested the idea of taking out an instalment loan when I insisted we couldn't afford to re vamp our kitchen yet again, having done it only 5 years ago. As she can be a bit like a dog with a bone I knew I wouldn't get any peace until she got her way so I did as she suggested and applied for an instalment loan with Sunny after enlisting the help of my computer mad son who, by the way, is writing this review for me as my typing skills are virtually non existent!

Anyway, to cut a long story short, I got the loan, my wife got her revamped kitchen and everybody is happy. I wonder how long it will last though!

Review posted by mike.atlee

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My elderly parents love nothing better than to settle down every evening to watch their favourite television programs and last year I treated them to a brand new flat screen TV.

However in recent months mum has been poorly and confined to her bed which meant she wasn't able to watch her soaps, Coronation Street being her all time favourite. So I decided I would do my best to find the money to buy them another TV for their bedroom. The cost of the new TV and paying to have an TV aerial point put into the bedroom was a bit difficult for me to afford but I didn't want to wait too long as they aren't getting any younger. My daughter helped me apply for an instalment loan with Sunny as she had just taken one out herself and I am so glad that I took her advice. Mum is up and about again and able to watch TV from the living room but she admits she occasionaly sneaks upstairs to watch Corrie, as she likes to call it, in peace and quiet without dad interrupting her

Review posted by Susan Tyler

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This is my first experience of instalment loans and I chose Wizzcash on the recommendation of a friend who uses Sunny regularly.

I particularly liked their straightforward website profile as it was easy to understand and not full of legal jargon. Once I had read everything a couple of times and felt confident that I knew what I was agreeing to I made the application and waited for them to approve the loan or not. I am happy to say they wrote and said the loan had been approved and that the funds would be in my bank account the next day.

I was very impressed with the the speed and efficiency of Sunny and would certainly use them again if I need another loan.

Review posted by Warren Forrest

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My new dream flat had turned out to be a bit of a nightmare once I moved in. The main problem being the bathroom which had suddenly started to leak from every possible water supply, the shower being the worst offender. After several weeks of constantly having to mop up every time I had a shower I decided that I needed to spend some money on the entire bathroom and bring it into line with the rest of the flat which was in a much better condition.

I needed to get a loan fairly quickly but didn't want to rush into committing myself to one that didn't suit my financial situation as the last thing I wanted was to compromise myself financially now that I had the responsibility of a mortgage.

Sunny instalment loan was just the right loan for me as the repayments for the amount I wanted to borrow and the loan period suited me perfectly and so I went with them and was very happy when they approved the loan.

I now have a very stylish non leaking bathroom and a loan that is almost paid off without any problems making the repayments.

Review posted by alison horth

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Sunny helped me to buy a bigger car when I needed to facilitate a new baby and all the stuff that is involved every time we leave the house. My parents helped out a bit with the cost of it but I still needed a couple of hundred quid to get the car I wanted. So that is why I went to Sunny as they had helped me out with a previous loan and I had been more than happy with them. I would like to take this opportunity to thank them for their help with both the loans I have had from them and I would definitely recommend them to friends and family.

Review posted by John Sumner

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My instalment loan with Sunny is now paid off and I am thinking of applying for another one to help me out with a few things I would like to get in time for Christmas, a dining table and some chairs for a start as it is my turn to have the family, which is fortunately not too large in number, for Christmas dinner and I don't they will be happy eating their turkey with a plate balanced on their lap! I have seen a really nice table and chairs advertised in my local paper and will apply for my loan with Sunny immediately after I have seen the furniture and decided it it is worth the money.

Review posted by Jenny Oliver

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  • Flexibility
  • Ease Of Use
  • Value For Money

I've tried payday loans and they simply don't work for me. I need more than a week or two to catch up with my finances so that I have the money to repay the loan and not find myself needing another loan almost immediately. One defeats the object of the other and I end up even worse off.

Now that I have tried using instalment loans they definitely seem to work better for me. Repaying over a period of several months is better for me and I can even borrow a bit more but still afford the monthly repayments.

Before I went to Sunny I had tried another instalment loan company but they were not as flexible and I had difficulties when I found I could pay back the loan sooner than originally planned but this incurred an extra charge for early repayment.

Now that I have use Sunny and found them to be the most convenient and there are no extra charges for paying the loan back early I will definitely be using them again.

Review posted by Danny, Forest Hill

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  • Flexibility
  • Ease Of Use
  • Value For Money

Just got approval for this instalment loan from Sunny and they gave me a 5 day period to decide whether or not I wanted to go ahead with the loan. I really didn't need 5 days to decide, 5 minutes more like. I was more than happy with the terms and conditions of the loan and just wanted the money as fast as they could get it to me. They said it would be within the hour and I timed them, 22 minutes, 30 seconds! That was good enough for me and I'll be using Sunny for any more instalment loans in future. When you find a good loan company it is worth sticking with them and I definitely will be.

Review posted by Tom Chaplin

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

I was really in need of some sunny days, and I wasn't counting on finding them in England – I'm sure summer here becomes more non existent every single year. So there I was, on the internet searching for sunny holidays, when I found Sunny loans. I knew I was gonna have to really scrape the barrel of my savings to be able to afford a holiday in the first place, so taking out a loan actually made much more sense, and I wouldn't need to be so tight with my cash whilst I was away. I found Sunny just at the right time, and they were efficient enough to get the funds to me in order to allow me to book my holiday the same week.

Review posted by Andrea Locking

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

Sunny helped me to get the money I wanted to pay for a trip the other week – I had been wanting to join in on the lads holiday, but I don't earn as much as they do so it wasn't as easy for me to just splash out on a thing that cost so much. One of the guys offered to help me out with the payment, but I'm not a charity and wanted to pay my own way if I was going to go. Taking out a loan with Sunny was the best way for me, and I have got a clear agreement with them, and can pay off the holiday bit by bit which should be much easier for me.

Review posted by Dean Hetch

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  • Flexibility
  • Ease Of Use
  • Value For Money

The amount I get paid has always held me back, but I love my job, so it's a sacrifice I have always known I need to come to terms with. There are still times when I find this hard to deal with, so I occasionally take out the odd loan when I need a bit of financial help, or find myself going through a rough few months. Having used a few different lenders, Sunny is my favourite so far. Their service is just so user friendly, and I could make my application really quickly too – I don't know if that's just because I am used to answering all the typical questions by now, or because Sunny makes things so easy to understand.

Review posted by Linda Fazark

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

It was the time of the year for holidays and although I do have a reasonable bank account I decided to take out a maximum loan with SUNNY and pay it back over 12 months. I believe that money taken out of your own savings account never gets put back. It's a simple procedure if you have a positive credit rating.

My loan was approved very quickly and with less than the normal amount of red tape the funds were in my account. We were off on holiday and under no pressure.
Well done Sunny for your efficiency. I'll certainly use you again.

Review posted by Morris samuelson

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

Thank God for loans. I use loan companies all the time. The reason is quite simple. I always need extra cash because I don't earn enough money. The latest company I'm using is SUNNY and they're great because they make it easy and whichever amount you choose to borrow, if it's in their limit, you can pay it off in manageable monthly instalments. My last loan was for £600 and within days the money was in my account and it's all handled online and you can even pay back the loan earlier if you come into money suddenly. This way you would save on interest. Will use SUNNY again and again.

Review posted by Noel Cowley

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a personal loan urgently and quickly. I'd heard about a lot of these companies and how they operate so was obviously wary. Following a friend's advice I applied online with SUNNY and just answered all the regular creditworthiness questions. The amount I was after was £1500 and what impressed me most was that an amount was given that I pay each month over a period of 12 months but if I had the cash available I could pay more thereby shortening the period and hence the interest. All this took less than a week to complete.
I was really impressed with the service offered by SUNNY and there efficiency. They also confirmed that the interest rate would not change for the duration ofmy loan. Well done SUNNY!!

Review posted by Barry Robinson

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

I'm 34 years old and have lived in the UK all my life despite my Italian name, although I do visit Italy quite often. Its on some of these trips when I find that a bit of extra spending money would come in handy. I try and control myself and that's why I use SUNNY. They are really helpful. Also the entire procedure is done online from the application to the loan agreement.You choose the amount and also decide on the monthly repayment period. They do a credit check to make sure that your repayment amount is affordable too. SUNNY is highly recommendable.

Review posted by Angelo Cellini.

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

I am a loan person and have taken out numerous loans and paid them all back too .The company that impressed me the most was without a doubt SUNNY. Their flexibility, their rates and their repayment options put them ahead. My loan for example was for £2000. I had a 12 month period to repay but could pay more than the stipulated monthly amount which saves the borrower a lot of money. Also the whole process is so easy. An online application with a minimum of red tape and within days the money is deposited in your account. I used a debit order for my repayments so I had no worries about forgetting. SUNNY I definitely recommend.

Review posted by Andrew Jordan

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  • Flexibility
  • Ease Of Use
  • Value For Money

My car needed some urgent repairs and I had to come up with £800 quickly. Money is a bit tight at the moment otherwise it would not have been a problem. Unfortunately life is all about timing.
Afriend at work told me about SUNNY and without wasting time I filled in the application online. It was really simple. Just the usual questions about where you live and work and of course about your financial situation. Mine was fine because within a few days the money was transferred to my account. The loan was to be repaid over a 12 month period , although if I paid it off quicker, a lot of interest could be saved. I liked that because it made you feel that they were actually trying to help. Really glad I used SUNNY.

Review posted by Aubrey Stockton

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

I'm 44 years old and just recently found myself in need of a little cash boost. It happens sometimes, doesn't it?I did a bit of looking around knowing that one has to be wary of unscrupulous lenders. I was told about SUNNY by a friend and I liked the fact that after your online application is approved you still may cancel if you don't like the figures.The amount I wanted was £2000 and payable over 12 months with the option of shortening the period thus reducing the interest. I liked that too.All in all it was very easy and once I agreed after my approval the money was transferred to my account that same day.
I would certainly recommend SUNNY.

Review posted by Arthur Williamson

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  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I own a lovely little cottage in a very quiet area just outside London. We've been there for almost 25 years . Our two children are both grown up and have left home pursuing their careers. My wife said that it was time we redesigned the kitchen as she loves cooking. We had some money put aside for this sort of thing but were about £1500 short.
I applied for a £2000 loan with SUNNY and were amazed at their service. I filled in an application online.The questions answered proved my creditworthiness and the loan was soon approved.

Thereafter it was just a matter of agreeing to go ahead with the loan after deciding on the repayment schedule. The period we chose was easily manageable and we have our new kitchen.
Thank you very much SUNNY.

Review posted by Winston Smithers

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

I often seek help from loan companies but have found out that once you find one you're happy with then stay with them. It makes things easier.
I needed a loan a while ago and went to my favourite one called SUNNY and the money was in my account within days.
Although I still had to go through the normal process it seemed to me to be so easy. You know how they work whatever the amount, monthly repayment or loan duration and their service seems to get better all the time. With SUNNY you can also repay the loan earlier and so save a bit on the interest. SUNNY is really cool.

Review posted by Justin de Brand

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  • Flexibility
  • Ease Of Use
  • Value For Money

I chose Sunny for my instalment loan because it was a simple online procedure and the whole thing was completed within less than half an hour. Their rates are more or less the same as most of the other instalment loans I looked at on the loan comparison website and so I made my final choice based on how quickly and easy the loan application procedure was. It also helped that Sunny have a bit more flexibility with their repayment terms. If I choose to I can make additional repayments to the already agreed fixed ones which could mean paying off the loan quicker. If there is a chance that I can do that I will certainly take advantage of this option. After all, the quicker I pay back this loan the sooner I can take out another one if I need to.

Review posted by G. Proctor, Hemel Hempstead

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'd got back from holiday. Had a great time in Mallorca but spent far too much money which is something I did not want to do as I knew there were a few things back home that needed sorting out. For one thing my girlfriend and I split up while we were on holiday ( I could feel it coming even before we left )

I lived with her in her apartment and now I have to move out, find another apartment, furniture, kitchenware etc,etc.
I applied to SUNNY on her advice and asked for £2000 to pay off over a year to get back on my feet again. I had a pretty good job and didn't think I'd be a risk. I was right and my online application was approved very quickly. I then put in the loan agreement and the money was in my account the next day. I felt really good because my life was about to begin again thanks to SUNNY

Review posted by Lawrence Courtney

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  • Flexibility
  • Ease Of Use
  • Value For Money

Despite my reservations I have found myself feeling very pleased with myself for tackling my first ever online loan application. I realised that this is how most people apply for their loans these days and I had already done my research for a suitable loan by using the loan comparison websites. Thats how I found Sunny Loans in the first place so it just followed that I would stay online and apply for the loan. Fortunately for me I seem to have chosen a lender with a very simple and straightforward loan application process because to my surprise I completed the application is no time at all and was delighted when I got it approved shortly afterwards. Just when I thought you couldn't teach an old dog new tricks I have proved myself wrong and I am very glad that I have.

Review posted by Pamela Geraghty, Basingstoke

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  • Flexibility
  • Ease Of Use
  • Value For Money

Sunny instalment loans are a brilliant way of borrowing money quickly. Even my mum uses Sunny loans and sometimes we both have Sunny loans at the same time which can sometimes cause confusion because we have the same initials and mum is Helen so our post sometimes gets mixed up as well. Thats why being able to apply for our loans online is so much better for us and although mum is not quite so good with the computer even she has managed the online application now and finds it really easy.

My loan with Sunny this time is to pay for a hen weekend to Barcelona and without it I would have been struggling to find the money for it. So thats why I love Sunny loans and will keep using them for stuff like this so that I don't have to miss out on fun things.

Review posted by Hayley Shaw, Beckenham

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  • Flexibility
  • Ease Of Use
  • Value For Money

My regular golfing holidays to Portugal wouldn't be possible most of the time without the help of an instalment loan. I usually go away 3 times a year with my pals and several of us use instalment loans to help fund it. Sunny is the current lender I am using and I have to say it has so far been the best one. Its offering really good rates and the online application is quick and easy. Once approved they give you up to 5 days to decide whether you want to go ahead with the loan but I didn't have to wait to decide because the loan was perfect for my needs. I gave them an instant reply and got my money within less than an hour. I will definitely continue to use Sunny as long as I am getting such a good service from them.

Review posted by Rob Caxton, Derby

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  • Ease Of Use
  • Value For Money

The Summer is rapidly drawing to an end and what my wife and I love doing is stocking up nice and early on all the things that we know we'll use lots of over the Christmas period like wines, whiskies, cognacs,cigars, nuts, presents, etc, etc.

You save so much money and are never caught in the crazy rush either. Loads of benefits.
So I applied online for a £2000 loan with SUNNY and they were great everything was done online. I decided to repay over 12 months which suited me fine using a debit order. I felt especially comfortable as they were FCA approved.

The funds were in my account the same day I submitted the loan agreement. So we're off Christmas shopping soon thanks to Sunny. To be recommended.

Review posted by Vincent O'Leary

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  • Flexibility
  • Ease Of Use
  • Value For Money

I never experienced having not enough money left at the end of every month and the experience my bank account literally was scammed wasn't the best for me after I discovered what had happen. Pissed off I ran to the bank for having my account blocked, but they could not prevent the withdrawal of £200 at a moment I really couldn't afford it. Now what?

Good advice seems always far away so I started looking around and found Sunny, a installment loan company to be on of the most outstanding ones among all. The speed they work with in combination with some other services like the ability to use of my own debit card made me decide using Sunny.

I find Sunny one of the best in its kind and the most user-friendliest of all. The next time I need a small amount of money I go for Sunny!

Review posted by Tim

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  • Flexibility
  • Ease Of Use
  • Value For Money

My experience with Sunny was great!
I was getting behind with all my payments this month, due to all kinds of unexpected problems popping up (and being a single mother of two doesn't make things any easier).
One payment had to be made until a certain date so I found myself in a tricky situation. I did some research and spoke to a few friends and one friend told me about Sunny. I was a bit hesitant at first and all of it seemed to good to be true.

But anyway I went online and filled out the application. Moments later my application had been approved and the money transferred to my account. It all happened so fast, I couldn't believe it! It really helped me out and left me without worries.
Thanks for your service, Sunny. I highly recommend!

Review posted by Nancy Butler

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  • Flexibility
  • Ease Of Use
  • Value For Money

I like that Sunny give you some time to make up your mind before you agree to take on one of their loans. I didn't need a lot of time but some people might especially if they have rushed into things and not given the loan enough thought. I sometimes panic and think a loan is the only way of out a problem with bills but that's because I have to pay every single bill as soon as it arrives instead of spreading the payments out over the month. A lot of my friends even wait for the final demand bills before they even think about paying them but I could never be like that. So if I get a large bill that I haven't been able to budget for that's when I take out an instalment loan. I feel a lot happier repaying the loan over a period of 3 or maybe even 6 months than trying to pay the large unexpected bill out of my months salary and then having to go without loads of other things. Sunny are the lender I have chosen this time for my loan and I am really happy with the agreement they have given me so I don't need any time to think it over and I've just accepted it and I'm waiting to see when my money arrives in my bank account. Sunny reckon it could be within 15 minutes which would be brilliant as it means I can pay that bill during my lunch break today and stop worrying about it.

Review posted by Cassie Reagan, Hornchurch

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  • Ease Of Use
  • Value For Money

We've just booked a last minute holiday to Majorca thanks to being able to get a great instalment loan from Sunny. We're definitely guaranteed some 'sunny' weather (hopefully, my girlfriend keeps checking the weather forecast) now and as the UK weather this summer has been appalling we can't wait to get to Majorca.

We found Sunny on the loan comparison website and as we had never taken out a loan like this before we checked all the interest rates first and then chose Sunny from the several that were offering similar rates. We thought Sunny was an appropriate lender for our holiday in the sun and if this loan works out well we might do a similar thing next year as it is a good way of getting a last minute bargain holiday.

Review posted by Will Littlejohn, Maidenhead

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  • Ease Of Use
  • Value For Money

My car failed it's MOT and I had to find the money to get it back on the road before my drive down to Cornwall in August. The train journey is too expensive and once I am there I still need to get about easily so the car just had to be fixed. I haven't used a loan like this one from Sunny before but I am really pleased I found out about them because I've just been approved a brilliant loan that I can repay over the next 6 months and still have plenty of money for spending and petrol for my trip to Cornwall. I will definitely give Sunny another try if I find myself in need of some extra cash in the future.

Review posted by Moira Lacey, St Albans

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  • Flexibility
  • Ease Of Use
  • Value For Money

My finances haven't been great for quite some time now, and over the past few months I had been toying with the idea of taking out a loan. The main reason being that the stress of my financial situation was really taking a toll on all aspects of my life. I had considered a few different lenders, but some of them gave the impression that you were obligated to take out a loan with them immediately after you applied for a quote. Sunny were different in that way, and even after I received my quote and proposed loan terms from them, I was given five days under no obligations to make a decision.

Review posted by Saz Warrington

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  • Flexibility
  • Ease Of Use
  • Value For Money

I went on holiday with my family recently, and due to some strike action from airport staff at the airport we were due to fly from, our return flight home was cancelled. To cut a long story short, we had to stay in France several more days than we had planned, and the extra costs that we incurred because of this weren't all being covered by our travel insurance. This was a nightmare for me, as it had taken us long enough to save for the holiday in the first place, and I really couldn't afford the extra costs we incurred. When we came home, I took out a loan with Sunny to replenish my bank account. Their service was really fast, and they've helped me to avoid encountering problems come the end of this month.

Review posted by Kay Berrins

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  • Ease Of Use
  • Value For Money

My friends joke oh its that time of year again when Suzy gets her Sunny loan to pay for her sunny holiday. I don't know why they think it is so funny. Its just sensible to me to borrow the money and book my holiday early then pay the loan back while I am dreaming about lazing on a sunny beach this summer. My friends dream about lazing on a sunny beach too but at least with my Sunny loan my dream will become a reality and there's won't unless they follow my advice and get a Sunny loan themselves.

Review posted by Suzy, Basildon

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  • Flexibility
  • Ease Of Use
  • Value For Money

The only type of loan that I've taken out in the past, is the mortgage on my house. I wanted to take out another loan that worked in a similar way, but on a much smaller scale – less money and for a much shorted time period, so I discovered that an instalment loan would suit me best. I chose to use Sunny as my money lending provider, and I haven't had any regrets. There were no hidden fees or charges, I just made my application, received an approval, and am currently about halfway through making my repayments. Really simple process.

Review posted by Lily Amersham

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  • Flexibility
  • Ease Of Use
  • Value For Money

This is the first time I have used Sunny loans and I am probably going to use them again if this loan is anything to go by. I needed to get some extra cash to clear some debts from Christmas and also be able to put a deposit on an apartment in Spain for a weeks holiday this summer. Its a friends apartment and she was offering a big discount if I could give her the cash up front when she was visiting me recently. In spite of owning her own apartment she is having some cash flow problems at the moment and the money I was able to give her for a weeks rental came in very handy for her.

I haven't taken out a loan as such for many years but this experience of borrowing on an instalment basis seems to suit me quite well and so I'll bear that in mind the next time I get an offer I can't refuse from a friend who needs a bit of help with their cash flow.

Review posted by Lynn Wickerstaff

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  • Flexibility
  • Ease Of Use
  • Value For Money

My health has been deteriorating over the last few years, and although the public health care I've received has been good, I just never really feel in control of my tests, check ups, and treatments. Going private is an option I never thought I could realistically afford, until a friend of mine told me about Sunny loans. I found their website online, and the application was actually easier than I expected. After a quick approval, I really feel like a weight has been lifted off my shoulders, and I can feel in control of my healthcare and my life again.

Review posted by Bia Farley

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  • Flexibility
  • Ease Of Use
  • Value For Money

I've always been a very organised person, and I plan where my money goes every month - so when I got a call from my bank manager to tell me I'd gone overdrawn on my account, I wasn't prepared at all. It was a horrible feeling to realize that I hadn't been taking care of my finances, so to get myself back on track, I decided a loan was the best way forward. I wanted a loan provider with good flexibility, and the option to pay back early if possible. I have to say that was exactly the service I received from Sunny, they had a wide range of options, and one of their advisers helped me to choose the one that was right for my situation.

Review posted by Kaye Titan

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  • Flexibility
  • Ease Of Use
  • Value For Money

The best I ever had! For me, Sunny is by far out the best loan company so there's no need to look further.

As of my bad debit situation in the past I just could't manage to find a financier for my hobby until I found Sunny. Maybe there are better ones, but why should I look further if it takes me months to locate them.
I buy certain types of gemstones from other collectors all over the world which forces me to travel, sometimes to remote and dangerous places. The sales of some stones can bring in some cash but sometimes not and I never can say when it does or not. That's where Sunny comes in.

Despite my unusual past, Sunny accepted me to be creditworthy and decided to go ahead with me. The simplicity of processing my requests and the great contact I always have with the Customer Care Center were proper reasons for me to stick with them. Maybe not forever but as long as they don't change, I'll be with them.

Review posted by George Marple

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  • Flexibility
  • Ease Of Use
  • Value For Money

Sunny loans are definitely not for people who are looking for a bargain loan, if there is such a thing. Sunny give loans to people who need some extra cash in a hurry and are prepared to pay the going rate for it. If you want lower interest rates you need to be looking elsewhere but maybe like me you can't get other types of loan because of your financial circumstances.

My Sunny loan has helped me get my car back on the road and I will be paying the cost of that for the next 6 months but the alternative was having no car and that was just never going to be an option for me.

Review posted by Rufus Dufus

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  • 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.

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  • 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

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  • Flexibility
  • Ease Of Use
  • Value For Money

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

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  • Flexibility
  • Ease Of Use
  • Value For Money

Sunny give you 5 days to decide if you want to go ahead with their loan agreements. I didn't need 5 days to make my decision, I said yes straight away because it was a good offer and all the terms and conditions were suitable for me. I don't rush into things as a rule and can be quite fussy when signing up for anything. Even my gym membership had to be just right before I would commit to joining up for a 6 month trial period. But with this instalment loan from Sunny I could see straight away that it was going to work for me. Sometimes I think you just have to go with your gut instinct and hope for the best, but I don't think I need to hope for the best with this loan as I think I have chosen the best loan to suit me.

Review posted by Glenda Palmer, Hornchurch

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'm off to sunny Spain thanks to this instalment loan from Sunny Loans. My mates are going on a stag week and I wasn't going to be the only one to let the side down if I could help it. But I was short on cash and had to get the money from somewhere. My girlfriend uses Sunny Loans all the time so I got her to help me apply for an instalment loan with them and within a day I had the loan approved, accepted the agreement Sunny had set out and the money was in my bank ready for me to book my flights. I've even got a bit over for beer money so I won't be missing my rounds which as any bloke will know is just not on mate!

Review posted by Perry Davids, Croydon

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  • Ease Of Use
  • Value For Money

My pet Fred, a French bulldog died. He suffered of what the vet called a weak hip. Playful as Fred always was I found him stumbling with his rear in a strange position. The vet said he was in tremendous pain so I had to let him go to sleep.

During the days after I tried to convince myself to to have pets like dogs anymore. Every time they die meant a even greater loss for me not to mention the emotions. You know what I mean.

My girlfriend who was with me at that moment advised me to have a dog again as she's so convinced I can't live without one. When I told her that I'v spend so much in medicines trying to extend Fred's life she advised me to get a small loan, just enough to buy a puppy again. So I did. She recommended to call Sunny, the company she had good experiences with.

After a day or two, filling out a form and waiting for what's going to happen I received the final approval! I opted for a loan of £400 to buy the puppy from a breeder in Hampstead, papers included of course.

I never believed how easy it is with Sunny to make one's dream come true again. Anyway, my life is saved again and a puppy, I called him Leo has a new home, thanks to Sunny!

Review posted by Steve Galloway

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  • Ease Of Use
  • Value For Money

It's good that Sunny give you up to 5 days to make your mind up about the loan offer because you can do a bit more looking around to see if you can find a better offer and if not the loan from Sunny is there ready and waiting for you. Not all lenders give you that time and I've had loans before where I wish I had given it more thought before going ahead with it. This is the first loan I have had from Sunny and I am really pleased with it so I didn't take too long to make up my mind but once I submitted by agreement I felt happy that I had made the right choice. If I ever need another instalment loan in the future I'll go to Sunny first and then take it from there. If I end up with another Sunny loan it will be because they are still offering competitive rates like the one I have got now.

Review posted by Shona Burns, Walthamstow

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

My bank isn't keen on giving instalment loans and it seems most of the high street banks feel the same about this type of loan so it's just as well we have lenders like Sunny to fall back on. I have had two occasions in the past 3 years where I needed to borrow a small amount of money that I could repay over a short period. It was too much to take out on a payday loan basis so the instalment loan option was the ideal solution for me. I didn't use Sunny the first time but since I used them for the last loan and was really satisfied with the experience I decided to go with them again for this loan because they are still offering reall good rates.

Review posted by Kevin Watson, Balham

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

I´m not a big believer of borrowing money. I was always taught not to live above my means and I try to never forget so.
However life throws you curved balls sometimes, and an unexpected bill arrived that I had to pay.
I needed to find £800 quickly.
I contacted Sunny on a friends suggestion and did the whole application on line.
I borrowed the needed money over a period of 12 months and was happy to see that the pay back was one hundred odd pounds monthly.

I felt that Sunny were fair with me as they gave me up to 5 days to re consider and make sure I was happy with the installment amounts and clear on all issues.
Once I told them to go ahead the money was in my bank in a question of minutes.
I hope I don't become hooked on borrowing from Sunny as it was so simple!

Review posted by Peter Boyle

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

Just had my first ever instalment loan from Sunny Loans and I wanted to say how pleased and impressed I am with everything. I didn't need long to make up my mind about agreeing to the terms and conditions of this loan and Sunny weren't putting any pressure on me to make a decision quickly. They give you up to 5 days to make up your mind which I think is plenty of time for you to check out other instalment loan companies to make sure there isn't a better deal for you. I would definitely go to Sunny Loans again and I'd recommend them to friends and family because I think they are offering a really good loan service.

Review posted by Mike Chisholm, Brentwood

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

I have borrowed money from another company before but was not impressed as the repayments were not what I expected.
I feel they were dishonest with me as they charged me hidden fees.
I know it was not a huge amount but if they do it to many people they rip off millions in one year.
So when I needed money this July I made sure that I was more careful with my investigating of who to borrow from.
I picked Sunny after a careful search and doing many comparisons.
I'm pleased that I did.
I borrowed £ 400 and pay back just over £100 over a period of 6 months.
Its well worth it.
And the best is that once my loan was approved the money was instantly in my bank.
I feel the interest rate is fair and client services are on the ball.

Review posted by John McDonald

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

My husband keeps a very tight leash on me.
I know this is horrible to say but I have to be very careful how I spend money, so last month when I wanted to give my daughter an expensive vacuum cleaner, I realized that for him not to know I would have to take out a loan.
I only needed £400 but decided to spread the payments over 12 months as this way my husband would never notice as the installments were very low.
The flexibility of Sunny is what appealed to me, its not like I had to pay it back in 3 months or 6 months, being a small amount borrowed. They allow you to decide on a repayment that is comfortable to you, for whatever reason.
Tks Sunny.

Review posted by Francis Belhaj

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

I borrowed £400 before from an institution when I was a little short, a few years ago.
However I do recall the stress I went through as I had to pay it back on the following pay day and that was too hard for me.
I wish somebody had told me then that I could have paid in installments but no one did.
I remember that the interest rate wasn't a killer with that loan, just the short period of time.
This time on my uncle's advice I went on line to see the best rates and options around.
I found Sunny and they appealed to me as the interest rates were one of the lowest and the flexibility was appealing.
Also they did say that if I was able to pay the loan back early, they would reduce the interest.
So I borrowed £ 500 and instead of paying it back in the expected 6 months I paid it back in 4. As promised I saved a significant amount in interest, enough to take out my wife for dinner.
Thank you Sunny for being true to your word.

Review posted by Carol Simpson

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

Borrowing money is never fun. No one likes to, but circumstances often force us to do so.
So, if we must borrow, let's at least do it right.
Let's at least know where we stand as there is nothing more irritating than being mislead by a financial institution with extra costs that they simply either" forget" to tell you or deliberately hide from you.
When I read Sunny´s information I saw that they never charge more than 0.8% per day. It is clearly stated.
Also there are no added costs and their response to your on line application is very quick.
At least that is how it went down in my case, so I have no qualms about them!

Review posted by Isabel Ashby

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

I would like to thank Sunny for recently having helped me out of a financial hurdle.
I needed £500 quickly due to a personal issue and to be honest just went to the first company that I saw on line who lend money.
I did it expecting loads of bureaucracy, slow service, and very high demands from them.
I was pleasantly surprised to see that the loan was given quickly , the funds went into my account in a few minutes and the installments were in fact a lot less than I had expected.
To top it all they were even friendly. Even better service than in the USA where I come from.

Review posted by Howard Peterson

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

My name is Catherine Smith and I have always avoided borrowing money, but this time I had to break my own rules as I had some financial challenges and needed £700 in a rush.
I considered a pay loan but it would leave me under pressure that I´d rather not have to pay them back in like 20 days, so in the end I decided on a personal loan taken over 6 months.
Sunny seemed to offer a fair deal. I compared them with other companies and liked what I saw.
Also they came highly recommended by my best friend who had used them before.
Thank you Sunny for your efficiency and for giving me the option to pay my loan off before the end of the term with no penalties.

Review posted by Fiona Burns

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'm a young man, I'm young only 19 years old and have only had a permanent job for the last 6 months.
Last month I overspent and needed to borrow £200.
I expected to be knocked back by Sunny when I applied on line for the £200 payable over 6 months, but to my surprise they were like lightening in their decision.
They approve the loan and were careful to explain to me that if I paid it quicker they would reduce the interest.
I think I will be able to maybe pay it in 4 months which will be great as Ill end up paying less than the planned amount.
I'm going to tell my friends at work, as most thought that we had to be 21 to get a loan.
Its good that they treat us young people the same as others.

Review posted by Sam Boyle

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

I'm a single mother and recently stopped working full time as I think my son needs me as he is going through some personal issues at the moment.
Teenagers can be difficult so they need guidance.
I'm therefore not working full time anymore but still work part time in a restaurant where I make good tips, do I easily can support my son, specially as I live at my parents apartment and do not pay rent.
Last month I wanted to surprise my son with a nice bicycle and asked Sunny to lend me £200.
My intention was to pay it over 6 months.
I wasn't sure if they´s approve it due to the part time work but they did.
The installments I'll be paying are very affordable and I think the interest rate is low.
My experience with Sunny has been positive.

Review posted by Joke Ross

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'm getting married next month to the most wonderful lady in the world.
Sadly her parents are rather poor and can´t afford to help us pay for the wedding and as we have many guests I know that it will be a high bill.
My parents are paying almost everything but I couldn't allow them to pay for our honeymoon, so I approached Sunny and asked them for a £800 loan.
I like the way Sunny works. I have taken a loan with them before.
The interest rate is average, pretty much like other banks but they offer things the others don't, like a reduction of interest rate if we pay before the time. Also they give you 5 days to re-consider if you want to opt out of the loan.
The repayments are taken automatically from your bank account and Ive never in the past spotted any hidden costs, so I was happy to borrow from them once again.

Review posted by Brian Clarke

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

It took me more than one hour to do comparisons between all the loan companies that lend money, to decide which one to go with.
What a job. I'm really a very skeptical person and very careful.
I understand that the smallest details can save you a lot of money.
After my research I decided to opt for Sunny lenders.
They seemed to offer the best deal all round.
I borrowed £1000 over 12 months and am pleased to say that there was no fuzz , no red tape and everything was clearly stated on their site.
I worked out that the money I saved over these 12 months by borrowing from them, meant I could have a pint for free at the local pup twice a week.
That´s good value for me.

Review posted by John Riley

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

I write a quick review here because I am very quick at pointing fingers when things go wrong, but I'm also very quick at congratulating when things go right.
So now I congratulate Sunny, for the excellent client services, for being reliable and doing things the way they state on the information given and for having been so helpful when I phoned with a silly question that should have been obvious.
I salute you!
And while I'm at it. Thank you for approving my loan, when 2 other companies had refused me although I have a steady job and fulfill all the requirements.
Thank you for the £500 loan.

Review posted by marie Smith

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

My advice to people is never use a payday loan facility if you can simply take out an instalment loan with someone like Sunny. They have to be the best short term loan company I have dealt with so far and I am delighted to have found them and certainly wont be using another lender if I can help it.

Sunny really do live up to their claims of being fair and transparent. This is my second instalment loan with them and I have been 100% satisfied with the terms and conditions Sunny set for these instalment loans. I've even helped my daughter to apply for an instalment loan with them and as a mother I wouldn't do that unless I was 100% certain they were a responsible and competitive lender.

Review posted by Paula Barrett

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  • Flexibility
  • Ease Of Use
  • Value For Money

I think this is the best reason ever for taking out an instalment loan. I am buying my girlfriend an engagement ring and I could have saved up the money for it but it would be too late and the special occasion would have passed by the time I had enough money. With this instalment loan from Sunny I can buy the ring and be ready to propose to her on the anniversary of when we first got together 2 years ago this week. I'm taking my sister with me to help choose the ring because I haven't a scooby what sort of ring she'd like but I know it wont be a cheap one thats for sure!

Review posted by James K., Henley-on-Thames

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'm delighted with this loan from Sunny for lots of reasons but the main was being that I was able to promise my son that he could go on a school trip that he had thought he was going to miss out on. His dad, my ex husband, had promised him that he would pay for the trip but lost his job a few weeks ago and didn't have the money to spare. I couldn't bear the thought of my son being let down and so I decided to try and get an affordable loan to pay for the trip myself. I really don't think I could have found a better lender than Sunny. They approved my loan so quickly and allowed me to borrow more than enough to pay for the trip and so I'll be able to give my son some spending money too. Even with my average salary I can easily afford the 3 monthly instalments. Now that I have found Sunny I think I'll be using them again and again.

Review posted by Debra Clarke, New Malden

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  • Flexibility
  • Ease Of Use
  • Value For Money

Quick loans usually mean high interest rates but with Sunny loans the ability to repay the loan back over several months more than compensates for the higher rate you pay. You can't have it both ways. If you want a loan in a hurry but want to pay it back over a period of time rather than the next payday then its worth that little bit extra I think. I'm a big fan of instalment loans for this very reason and at the moment I am using Sunny Loans because they are one of the easiest and quickest of all the instalment loans that I have used.

Review posted by Mehmet, Bromley

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  • Flexibility
  • Ease Of Use
  • Value For Money