Rating based on 50 reviews

Sunshine Loans


  • Low-interest starting from 48%
  • Short-term loans up to $2,000
  • Repayment up to 63 days

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Sunshine Loans homepage

Author Sunshine Loans. Screenshot of Sunshine Loans website. [Accessed June 10, 2018]

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! 

Sunshine Loans Product Details

  • Loan Type Short-term loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 63 days to 63 days
  • Decision 2 hours

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.

Customer Reviews & Testimonials

August 2018

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 stres...

Peter J
— Benalla —

April 2019

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 kno...

Megan C
— Derby —

June 2018

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!

Jarred D
— Fremantle —

Sunshine Loans Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 111, Pacific Fair, 4218, Australia

Opening Hours

  • not available