Sunshine Loans Loans
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the SA and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: +2710 496 2073
Monday to Sunday, 8am – 11pm
Interest rate per day
Daily payment

Sunshine loans have a simple application process that can be completed online from any computer or mobile device. Consumers are required to provide their ID documents, recent payslips, and a valid bank account number. In addition, they must provide a contact phone number and an email address. Once the application has been submitted, a consultant will either run a credit bureau data check or request a DSQ mandate.

Sunshine Loans

Loan repayments are automatically withdrawn from the borrower’s bank account on a weekly or bi-weekly basis. The total repayment period of a Sunshine loan is typically two months, but this may vary depending on the borrower’s income. The company also offers a flexible repayment plan that allows borrowers to repay their loans over longer periods.

The Sunshine loans service is available to consumers in all states and territories, and the company’s customer support staff are highly knowledgeable about the loan industry. The company’s website is easy to navigate and includes helpful FAQs, a glossary of terms, and contact information for each state. The company also offers a variety of payment options, including online payments and debit cards.

Sunshine loans are a type of short-term loan that is intended to help people deal with unexpected expenses. These loans are not intended to cover long-term financial difficulties, such as a mortgage or car payment. They are also not intended to replace traditional bank loans or credit cards. In most cases, the loan amount will not exceed R4,000.

Loan parameters
  • Loan amount
    R500 – R4,000
  • Interest
  • Term
    4 – 49 days
  • Age
    18+ years

Types of Loans Offered

At Sunshine Loans, they understand that each individual’s financial requirements are unique. To cater to these diverse needs, Sunshine Loans offers a variety of loan products. Whether you are looking for a personal loan, a payday loan, or a debt consolidation loan, Sunshine Loans has got you covered.

  1. Personal Loans: Sunshine Loans provides personal loans that can be used for various purposes, such as funding education, home improvements, or covering unexpected expenses. These loans are tailored to suit your financial situation and offer competitive interest rates, ensuring affordability.
  2. Payday Loans: If you find yourself in need of immediate funds to bridge the gap between paychecks, Sunshine Loans’ payday loans offer a quick and convenient solution. With minimal documentation requirements and fast approval process, these loans are designed to provide short-term financial relief.
  3. Debt Consolidation Loans: If you are burdened by multiple debts and struggling to manage them, Sunshine Loans’ debt consolidation loans can be a game-changer. By combining all your debts into a single loan, you can simplify your repayments and potentially reduce your overall interest costs.

Benefits of Choosing Sunshine Loans

When it comes to choosing a lender for your financial needs, you want to be assured that you are making the right decision. Here are some of the key advantages of choosing Sunshine Loans:

  1. Competitive Interest Rates: Sunshine Loans understands the importance of affordability. With their competitive interest rates, you can be confident that you are getting a fair deal and saving money in the long run.
  2. Flexible Repayment Options: Sunshine Loans believes in providing flexibility to its customers. They offer various repayment options, allowing you to choose a plan that aligns with your financial capabilities and ensures hassle-free repayments.
  3. Trusted and Reliable: With a long-standing presence in the South African market, Sunshine Loans has built a reputation for being trustworthy and reliable. When you choose Sunshine Loans, you can rest assured that you are dealing with a reputable institution that prioritizes your financial well-being.

Eligibility Criteria

To ensure that you have the best chance of being approved for a loan, here are the basic eligibility requirements set by Sunshine Loans:

  1. Age: Applicants must be at least 18 years old to be considered eligible for a loan. This is to ensure that borrowers are legally capable of entering into a loan agreement.
  2. Employment Status: Sunshine Loans requires borrowers to have a stable source of income. This means that you must be employed or have a regular source of income to prove your ability to repay the loan. Self-employed individuals are also eligible to apply, provided they can provide the necessary documentation to support their income.
  3. Income: Your income plays a crucial role in determining your eligibility for a loan. Sunshine Loans will assess your income to ensure that you have sufficient funds to meet the monthly repayments. The amount of income required may vary depending on the loan amount and type you are applying for.
  4. Credit History: Your credit history is an important factor that Sunshine Loans considers when evaluating your loan application. A good credit score indicates that you have been responsible in managing your finances and repaying your debts on time. However, even if you have a less-than-perfect credit history, you may still be eligible for a loan, as Sunshine Loans takes a holistic approach in assessing loan applications.

Now that you understand the basic eligibility criteria, let’s explore some tips on how to improve your chances of being approved for a loan from Sunshine Loans:

  1. Maintain a Good Credit Score: It is essential to regularly check your credit report and ensure that it accurately reflects your financial history. By paying your bills and debts on time, you can improve your credit score and demonstrate your creditworthiness to lenders.
  2. Stable Employment: Having a stable job with a steady income can significantly increase your eligibility for a loan. Lenders like Sunshine Loans prefer borrowers who have a consistent employment history, as it reflects financial stability.
  3. Reduce Existing Debt: If you have existing debts, it is advisable to try and reduce them before applying for a loan. This will not only improve your credit score but also increase your disposable income, making it easier to meet the monthly loan repayments.
  4. Provide Accurate and Complete Information: When filling out your loan application, make sure to provide accurate and complete information. Any inconsistencies or missing details may delay the approval process or result in a rejection.

By meeting the eligibility criteria and following these tips, you can enhance your chances of obtaining a loan from Sunshine Loans in South Africa. Remember, Sunshine Loans is committed to helping you achieve your financial goals and providing the support you need during times of financial need.

So, if you’re in need of financial assistance, don’t hesitate to reach out to Sunshine Loans and take that important step towards a brighter future.


Sunshine Loans offers a wide range of personal loans for people in need. They offer unsecured cash loans for people with bad credit, as well as personal loans that can be repaid in installments. These short term loans can be used to cover unexpected expenses or emergency needs. These loans are not suitable for everyone, and you should always compare rates before applying. You can also find free online calculators that can help you determine the best rate for your situation.

In order to apply for Sunshine loans online, you need to provide several items of information. These requirements are necessary to ensure that the loan can be repaid. Moreover, it is important to know that the interest rate on these loans will be higher than traditional lenders. You can also check the interest rates of other lenders online to find the best option for you.

Sunshine loans are short-term personal loans that can be paid back on your next salary. They have an easy application process and you can receive the money you need in less than one business day. You can even get a quick online loan if you have poor credit, and they don’t perform a credit check. In addition, they have a dedicated team of financial counsellors who can offer you advice and assistance with your finances.

Your comment

Roy Mokwena
29 October 2023
Applying for a loan was so easy that I was amazed. I recommend to all!
08 October 2023
The loan service Sunshine is a real helper in financial difficulties. I'm very pleased with the result.
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Ursula Van Vuuren
Thank you for the fast processing of the loan application! Approved despite bad credit history
Mandisa Palmer
Quickly consider a loan application and transfer money to an account
Wayne Maluleka
I took out a loan and repaid it ahead of time. No extra interest charged
Chantal Sibanda
I ruined my credit history 10 years ago, and in the summer I urgently needed money for an operation. Relatives did not immediately have such an amount, it makes no sense to go to banks. Left an application online. And the very next day the money was in my account....
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