Get fast loans up to R4 000

How much do you need?

Fast cash loan online?

Sunshine Loans is committed to providing you with a hassle-free solution to your short term borrowing needs. Our payday loans are designed to help you over a difficult patch up to a 7 week period. We are 100% online, processing applications 24/7, regulated by the National Credit Regulator (NCRCP14110).

Easy process. No paperwork. Get Funded In One Business Day

 Example of a small amount loan

Our payday loans are R4 000 or less with a minimum duration of 4 days and a maximum of 49 Days. Use the slider above to estimate your repayments. We match your repayments to your pay cycle.

By way of example, a loan of R2 800 over 27 days would attract interest and fees of R607.63. The total repayable is therefore approximately: R3 407.63.

Loan repayments you can afford

Our responsible lending principles aim to provide you with a loan that you can afford. You can use our loan calculator above to work out your approximate repayments before you apply. You must be employed (we cannot help you if the majority of your income is from government benefits), and you will need to download your bank statements via our online application form, so make sure you have your bank details on hand before you start.

Easy process. No paperwork. Get Funded In One Business Day

Apply for a fast loan in minutes

We offer small payday loans from R500 – R4 000. Repayments are withdrawn from your account via Direct Debit on the day you are paid on a specific date of the month. The application process is simple and only takes a few minutes. During business hours we typically process and approve applications in less than 60 minutes. Depending on who you bank with, the money can be with you by the end of the business day.

Easy process. No paperwork. Get Funded In One Business Day

Why Sunshine Loans?

We’re a fast loan provider

Our application form should take you no longer than 5 minutes to complete. Usually we’ve processed your loan a short-time later with the money on it’s way to your bank account by the end of the business day. That’s a seriously fast loan.

We’re totally online

You don’t have the time these days to deal with manual loan processes. Get your bank details and SAID together and you’re ready to go. You can apply 24/7, we’re always open. We understand things don’t always go as planned , things are getting tough and budgeting doesn’t always work out when unexpected things happen. Our cash loans are not like credit Cards or other forms of revolving credit, you get the money fast, you pay it off fast, and that’s it. If you need us again, just login and apply for an even faster loan.

We are committed to responsible lending

We take our obligations seriously and we don’t want to lend you money if you can’t afford to repay it. This takes our total focus every day.

We care about customer service

Just because it’s a small loan, it doesn’t mean it’s not important. If you need to know your current balance, the status of your loan, your repayment dates or get another loan, then you can log onto our secure client area and it’s all there. Alternatively you can call (021) 888 5600 or get us on chat during business hours.

Your credit history isn’t perfect

You generally do the right thing and pay off your debts and sometimes that takes time. We won’t penalize you because you’ve had some bad luck and you’re credit file isn’t perfect. What we look for is a recent history of repayment and affordability.

Who can apply?

We have a few essential requirements to be eligible for a Sunshine Loan. You need to be:

• Over 18 years of age

• A resident of South Africa

• Be employed and have a regular income stream

Types of fast loans

We are a registered credit provider with the National Credit Regulator (NCR),

registration number NCRCP14110. Our loan products are classified as unsecured credit transactions,

and are also commonly referred to as payday loans, cash advances and short-term loans.

Payday loan

Payday loans are small unsecured loans extended for short periods to cover customers in the event of a temporary cash short fall. Our payday loans range from R500 – R4 000 repaid via direct debit to coincide with your next pay date. Customers typically use these loans to pay for unexpected bills, repairs, or simply when they find they have been left short till next payday. The application process is fast, the money paid within the hour and usually received the same day, and although you must be employed for a payday loan, an absolutely clean credit history is not mandatory.

Cash advance

A Cash Advance loan describes a loan that

is typically less than R4 000 up to 7 weeks.

They work the same as payday loans in

that your repayment is direct debited

from your account on payday, and the

funds are usually available for withdrawal

on the same day. Whilst your final

assessment is done by a Sunshine Loans credit

officer, there is high degree of

automation in collecting your application

information, gathering your bank

statement data, and scheduling your

direct debits. This makes for a speedy

approval and aims to get the money in

your hand faster.

Emergency loan

Fast and hassle-free, emergency loans

typically cover medical or vet expenses –

unexpected matters that need to be dealt

with high priority. Your repayment is

made via direct debit on the same day

that you receive your wages, and subject to

your previous lending history these loans

can carry over a longer period (to keep

each individual repayment lower) when

the need arises. To apply for an

emergency loan simply use our online

application form, have your mobile and

bank details to hand, and know the size of

the repayments that you can comfortably


Short term loan

Our short term loans are for a minimum of 4 days.

All of our loans are repaid via instalments.

Most commonly our loans are structured over two – three months, and this is what customers usually mean when they talk about short terms loans.

We offer R500 – R4 000 loans up to 49 days online, and structure the repayments to be withdrawn from your account via direct debit on the day that you are paid.

The online application takes less than a few minutes.

Personal loan

Sunshine Loans personal loans are unsecured

loans up to R4 000 available to cover near

term expenses that will be larger than

normal. Repayments are deducted from

future income payments in manageable

installments to try smooth the effect of

this one-off event. To apply for a personal

loan use the online application and be

ready to download your bank statements

so that your assessment can be carried

out promptly. A personal loan at

Sunshine Loans is usually for a larger amount

than a payday loan and takes into

account your previous repayment track

record with us.

Quick cash loan

Sunshine Loans is one of South Africa’s newest

online providers of quick cash loans. To

ensure the service we offer is world class,

we scoured the globe to find the best

possible systems to ensure you don’t wait

a minute longer than you need to, to get

your money. To apply for a quick cash loan

simply use our online application form,

have your mobile and bank details to

hand, and know the size of the

repayments that you can afford. The

process is fast, the money paid within the

hour and usually received the same day,

and although you must be employed, you

don’t need a perfect credit history.