Sunny Loans Review 2018 [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on February 2, 2018

Updated March 15, 2018

Overall Rated: 4 / 5


Sunny is an experienced lender that provides short-term loans for people finding themselves in unexpected financial difficulty. The loan values differ accordingly to the needs of each client, meaning that a loan from Sunny can cover everyday expenses or significant home improvement projects. Focusing on helping people gather necessary information regarding the most suitable type of loan, bad credit and debt, they offer support and transparency for any customer. Furthermore, they even provide a five-day return period where customers do not have to pay a penny of interest.

Sunny undeniably has the potential to meet any customer’s requirements and expectations thanks to their range of loan option that enables the customer to choose the exact amount they need and shows a commitment to responsible lending.

They are fully aware that some people struggle financially and for this reason, they act fast sending the required cash loan in 15 minutes without charging fees. Moreover, they give customers the opportunity of saving on interest by making early repayments. The amount of money borrowed by a customer dictates the interest rate and the repayment term.

This novel approach by Sunny has undoubtedly helped to attract customers and keep customers returning as they are rewarded for managing their loan and being able to repay the outstanding amount sooner so they can have a weight off their mind.

Trust & Reputation

Rated 5/5

Sunny is a UK based company that provides fair and flexible products. Their transparent terms have the purpose of ensuring every customer that they are not trying to hide any fees. Being part of Elevate Credit International Limited, Sunny’ s products and services are registered with and regulated by Financial Conduct Authority. Therefore, clients have the certainty that they are dealing with a trustworthy lender.

Everyone over 18 years of age can apply for a loan from Sunny, which concentrates on offering financial solutions to almost everyone regardless if they have been rejected elsewhere. Those people who were not able to receive a loan from their bank can resort to this company confidently. The only stipulations of Sunny is that customers must have a monthly income of £500, have a UK bank account, mobile phone and be a UK resident, Since they have an elevated sense of responsibility, they attentively check the level of affordability of their customers before giving the approval for short-term loans. Sunny believes in ethical lending practices and will only make a lending decision based on the customer’s affordability not simply their credit score.

Expertise & knowledge

Rated 5/5

Sunny has a team with over 15 years of experience in technology and financial services. All the members of the team are willing and available to clear customers’ doubts and answer their questions concerning credit options. Furthermore, customers can access this assistance through online chat, phone or email. Sunny has the purpose of encouraging intelligent and collaborative people who can become innovators transforming the short-term lending market as well as the image of the industry. Those behind Sunny are not afraid to share ideas in order to make improvements and grow. They believe in “Good Today, Better Tomorrow” showing customers not only immediate help but their commitment to changing the lending market for the better.

Customer Service

Rated 4/5

A compelling reason for which people choose Sunny as opposed to other lenders refers to their high level of reliability. On Trustpilot, almost all users praise the products and services provided by Sunny. The positive level of feedback has meant that from over 2,500 reviews Sunny score an impressive average TrustScore of 9.3 out of 10, with 92% of customers rating the business as great or excellent.

Customers regularly use Trustpilot to highlight the staff’s promptitude and efficiency, which was able to provide clear answers and useful advice regarding loan decisions. Many clients also thank Sunny and the team for their service and speed. With many people remarking on the impressiveness of the company which evidently shows that Sunny offers a different level of service compared to their competitors.