Rating based on 711 reviews
About Sunshine Loans
Sunshine Loan Centres have been operating for 18 years, having been founded in 1999. They have a good track record and hundreds of satisfied customers that have made use of their short-term loans over the years.
Their website has a minimal look and feels to it with only the essentials being included. Although it would be nice to see a little more information on their about page – you can find everything that you need.
Get a short term loan
Sunshine Loan Centres offer personal loans that start at $150 and go up to $2,000. These loans can be used for a wide range of things including paying bills, covering a cash emergency, buying a birthday gift for someone, for travel money or even to pay medical bills.
Why choose Sunshine Loan Centres
- Clear loan costs
- Australian owned and operated
- Long and well established history
- A quick online loan application
- Loan from $150 to $2,000
- Friendly customer service
- Existing customers get instant loan approval
- Easy to contact
What Sunshine Loans can offer you
At Sunshine Loan Centres you can apply for an unsecured quick loan of between $150 and $2,000.
This lender only offers loan terms of 62 days or, 9 weeks. You can apply for a loan online with this lender and get your cash on the same day. This means that it is not a payday loan but also fall short of being a typical personal loan – hence we have decided to place this lender in the short term loans category.
What a loan will cost you
Sunshine Loan Centres do not charge interest in the typical fashion but charge an establishment fee of 20% of the principal loan amount and a monthly fee of 4% of the principal amount until the loan is paid off in its entirety.
A clear loan costing structure
While many boutique lenders make it difficult for customers to find, see and understand their rates - Sunshine Loan Centres have done a very good job of ensuring transparency.
This is another indication of a lender that is reliable and trustworthy – something that you’d expect from a lender with almost 20 years of operational experience!
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In a Nutshell
- Average processing time 2 hours
- Online application
- Unsecured loan option
- Bad credit consideration
- Early repayment
With only a few clicks you can gain access to information on all of our amazing loan options
One of the best things about Sunshine Loan Centres is that they offer a 100% online loan application so you don’t have to wait in a queue, fill in paperwork manually or leave your home to get a fast loan.
Australian owned and operated
Sunshine Loan Centres is owned by a family of Australians and is operated by them as well. They are a registered credit provider and abide by industry rules and regulations.
Loans for self-employed
Since Sunshine Loan Centres use bank statements to verify that an applicant can afford the credit they are applying for, even people who are self-employed can easily and quickly get a short-term loan with them.
Once you’ve filled in an application the team at Sunshine Loan Centres will check your identity, verify your income and expenses and then run a credit check before letting you know of the outcome of the application. This is typically done in under an hour after which you will receive a loan contract to sign digitally.
Who is it suitable for?
This lender will be a good choice for anyone who wants a small loan under $2,000 and has no interest in encountering any red tape along the way. If you need a personal loan fast – a loan from Sunshine Loan Centres can sort you out.
Eligibility & Requirements
- Earning a stable income
- Credit check
- Bank statements
Other Products & Services
- Short term loans
Customer Reviews & Testimonials
Sunshine Loans helped to chase the Sunday blues away! I did not know how I was going to make it through the month after receiving the unexpected bill but Sunshine got me through without the stress and the hassles.
— Benalla —
From affordable and fair loan products to excellent and knowledgeable staff I have to commend Sunshine on their services. I was not able to fault a single thing regarding their performance. I know where I will be doing all of my loan shopping in the future.
— Derby —
The online application was very impressive. Not only did it not take long to complete but I also got a near instant response. Keep up the excellent service!
— Fremantle —
- 07 5526 8866
- 50 Cavill Ave, Surfers Paradise, QLD, 4217, Australia
- PO Box 111, Pacific Fair, 4218, Australia