{"id":95,"date":"2020-01-23T03:33:22","date_gmt":"2020-01-23T03:33:22","guid":{"rendered":"https:\/\/learnbonds.com\/?page_id=146733"},"modified":"2024-04-29T11:01:56","modified_gmt":"2024-04-29T11:01:56","slug":"loans-sunny-loans-review","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/payday-loans\/sunny-loans-review","title":{"rendered":"Sunny Loans Review 2020 | Payday Loans | Read Before Applying"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright wp-image-146735 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/Sunny-Loans-1.png\" alt=\"Sunny loans company logo\" width=\"250\" height=\"250\" \/>Are you looking for a fast financial solution to get you out of a fix? Then you may be considering signing up for funding from Sunny Loans.<\/p>\n<p>This UK provider has a lot to offer but like any other lender, has itsdownsides too. What are these? Do the benefits outweigh any potential demerits?<\/p>\n<p>Read through our comprehensive analysis of the platform to find out all you need to know about Sunny Loans.<\/p>\n<p>Based on this information, you will be in a position to decide whether or not they are the ideal lender for you.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_sunny_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is Sunny Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#pros_and_cons_of_a_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Pros and Cons of a Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_does_a_sunny_loans_loan_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How does a Sunny Loans loan work?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_does_a_sunny_loans_loan_work\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#credit_check\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Credit Check<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#repayment_and_interest_rates\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Repayment and interest rates<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#december_repayment_holiday\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">December repayment holiday<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_loan_products_does_sunny_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What loan products does Sunny Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_account_creation_and_borrowing_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Account Creation and Borrowing Process<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-sunny_loans_account_creation_and_borrowing_process\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#1_to_create_an_account_and_borrow_your_first_loan_from_sunny_loans_start_by_visiting_the_website_and_clicking_on_lets_get_started\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">1. To create an account and borrow your first loan from Sunny Loans, start by visiting the website and clicking on \u201cLet\u2019s Get Started.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#2_click_on_continue_to_get_started_on_the_actual_application\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">2. Click on \u201cContinue\u201d to get started on the actual application.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#3_there_are_four_steps_in_the_application_process_in_the_first_step_you_will_need_to_provide_your_personal_details_start_by_indicating_the_amount_you_want_to_borrow_your_name_date_of_birth_and_number_of_dependents\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">3. There are four steps in the application process. In the first step, you will need to provide your personal details. Start by indicating the amount you want to borrow, your name, date of birth and number of dependents.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#4_next_enter_your_contact_details_including_email_address_mobile_number_and_home_number_optional\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">4. Next, enter your contact details including email address, mobile number and home number (optional).<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#5_enter_your_current_address_and_create_a_password_to_secure_your_account\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">5. Enter your current address and create a password to secure your account.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#6_under_the_second_step_you_will_enter_the_details_of_your_income_and_expenses_and_in_the_third_stage_you_need_to_submit_bank_details\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">6. Under the second step, you will enter the details of your income and expenses. And in the third stage, you need to submit bank details.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#7_after_you_are_done_providing_this_information_you_will_need_to_wait_for_a_decision_from_the_team\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">7. After you are done providing this information, you will need to wait for a decision from the team.<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#eligibility_criteria_for_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Eligibility Criteria for Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#information_borrowers_need_to_provide_to_get_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Information Borrowers Need to Provide to Get Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_sunny_loans_loan_borrowing_costs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are Sunny Loans loan borrowing costs?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_customer_support\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Customer Support<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#is_it_safe_to_borrow_from_sunny_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Is it safe to borrow from Sunny Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_review_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Review Verdict<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_sunny_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is Sunny Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#pros_and_cons_of_a_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Pros and Cons of a Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_does_a_sunny_loans_loan_work\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How does a Sunny Loans loan work?<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-how_does_a_sunny_loans_loan_work\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#credit_check\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Credit Check<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#repayment_and_interest_rates\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">Repayment and interest rates<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#december_repayment_holiday\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"3\">December repayment holiday<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_loan_products_does_sunny_loans_offer\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What loan products does Sunny Loans offer?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item subList-in-progress\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_account_creation_and_borrowing_process\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Account Creation and Borrowing Process<\/a>\n\n          <button data-accordeon-title class=\"toc-btn\" type=\"button\">\n        <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#060606\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/button>\n        <\/div>\n\n      <ol data-accordeon-content class=\"StepProgress-sub-list\" style=\"display: none;\" id=\"TOC1sublist-sunny_loans_account_creation_and_borrowing_process\">\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#1_to_create_an_account_and_borrow_your_first_loan_from_sunny_loans_start_by_visiting_the_website_and_clicking_on_lets_get_started\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">1. To create an account and borrow your first loan from Sunny Loans, start by visiting the website and clicking on \u201cLet\u2019s Get Started.\u201d<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#2_click_on_continue_to_get_started_on_the_actual_application\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">2. Click on \u201cContinue\u201d to get started on the actual application.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#3_there_are_four_steps_in_the_application_process_in_the_first_step_you_will_need_to_provide_your_personal_details_start_by_indicating_the_amount_you_want_to_borrow_your_name_date_of_birth_and_number_of_dependents\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">3. There are four steps in the application process. In the first step, you will need to provide your personal details. Start by indicating the amount you want to borrow, your name, date of birth and number of dependents.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#4_next_enter_your_contact_details_including_email_address_mobile_number_and_home_number_optional\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">4. Next, enter your contact details including email address, mobile number and home number (optional).<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#5_enter_your_current_address_and_create_a_password_to_secure_your_account\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">5. Enter your current address and create a password to secure your account.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#6_under_the_second_step_you_will_enter_the_details_of_your_income_and_expenses_and_in_the_third_stage_you_need_to_submit_bank_details\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">6. Under the second step, you will enter the details of your income and expenses. And in the third stage, you need to submit bank details.<\/a>\n          <\/li>\n                <li class=\"StepProgress-sub-item\">\n            <a href=\"#7_after_you_are_done_providing_this_information_you_will_need_to_wait_for_a_decision_from_the_team\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"4\">7. After you are done providing this information, you will need to wait for a decision from the team.<\/a>\n          <\/li>\n          <\/ol>\n  <\/div>\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#eligibility_criteria_for_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Eligibility Criteria for Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#information_borrowers_need_to_provide_to_get_sunny_loans_loan\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Information Borrowers Need to Provide to Get Sunny Loans Loan<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_sunny_loans_loan_borrowing_costs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are Sunny Loans loan borrowing costs?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_customer_support\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Customer Support<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#is_it_safe_to_borrow_from_sunny_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Is it safe to borrow from Sunny Loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#sunny_loans_review_verdict\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Sunny Loans Review Verdict<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_loaning_terms\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of loaning terms<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faq\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQ<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div 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<\/div><!--\/.col-md-4-->\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-12 text-center d-block d-sm-block d-md-none d-lg-none\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img mb-3\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n\n                                    <div class=\"col-12 col-md-8\">\n                                                                                    <ul class=\"inContentProviderSingle--list\">\n                                                                                                    <li>Get an Instant Quote<\/li>\n                                                                                                    <li>Apply within 2 Minutes<\/li>\n                                                                                                    <li>Friendly Support Service<\/li>\n                                                                                                    <li>FCA Regulated<\/li>\n                                                                                            <\/ul><!--\/.inContentProviderSingle--lis-->\n                                                                            <\/div>\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-4 d-none d-sm-none d-md-block d-lg-block\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img float-right\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/01\/lendingstream_250_250.png\" alt=\"\" width=\"125\" height=\"60\">\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <div class=\"col-12 text-center\">\n                                                                                    <div class=\"inContentProviderSingle--button\">\n                                                                                                <a href=\"https:\/\/learnbonds.com\/uk\/visit\/lendingstream\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"what_is_sunny_loans\">What is Sunny Loans?<\/h2>\n<p><img decoding=\"async\" class=\"wp-image-3555 alignleft\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/sunny-instant-cash-loans-slogan.jpg\" alt=\"Sunny Loans Review |...\" width=\"323\" height=\"242\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/sunny-instant-cash-loans-slogan.jpg 400w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/sunny-instant-cash-loans-slogan-300x225.jpg 300w\" sizes=\"(max-width: 323px) 100vw, 323px\" \/><\/p>\n<p>Sunny Loans is a direct lender based in the UK and is a trading name of Elevate Credit International Ltd. The company is registered in Wales and England and has its head office on Eastcastle Street, London.<\/p>\n<p>It is authorised and regulated by the <a href=\"https:\/\/www.fca.org.uk\/\">Financial Conduct Authority<\/a> (FCA). Elevate claims to have been \u201cfounded on a legacy of data and innovation coupled with fair lending practices.\u201d<\/p>\n<p>With that in view, it offers financing to what it refers to as non-prime customers, who may not be able to access services elsewhere. Its ultimate objective, according to the site, is to \u201ccreate a fairer financial future for all.\u201d<\/p>\n<p>Its pricing is transparent and the platform makes use of advancements in technology as well as analytics to lower the interest rates its borrowers have to pay.<\/p>\n<p><em><div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><\/em>Sunny Loans offers a flexible blend between a payday loan and short term installment loan. It offers a relatively high loan limit with terms of up to 6 months during which you can pay back in installments. The application process is simple, and the approval process and funding, fast.<em><\/div><\/div><\/em><\/p>\n<h2 id=\"pros_and_cons_of_a_sunny_loans_loan\">Pros and Cons of a Sunny Loans Loan<\/h2>\n<div class=\"su-note\"  style=\"border-color:#EFEFEF50;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#EFEFEF50;border-color:#EFEFEF50;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\">\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Pros<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> You get 5 days to change your mind and return the <a href=\"https:\/\/learnbonds.com\/loans\">loan<\/a> interest-free after getting funding<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Has a UK-based support team<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Website has an extensive FAQ section<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Use online loan calculator to estimate the cost of your loan and find a suitable fit<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Simple application process<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Fast approval and funding within 15 minutes<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Offers a payment holiday in December<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> You can access up to four loans at a time, subject to affordability and affordability checks<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Cons<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Lender carries out hard credit checks which will affect your score<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Loan terms are relatively short, with a maximum of 6 months<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Charges the maximum daily interest rate<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<h2 id=\"how_does_a_sunny_loans_loan_work\">How does a Sunny Loans loan work?<\/h2>\n<p>Sunny Loans offers services online, providing loans that range between \u00a3100 and \u00a32,500. There are no fees whatsoever involved in applying for the loan or making repayments. You will only need to factor in the interest rates, which are capped at the statutory maximum.<\/p>\n<p>Early repayments also do not attract charges and you can use this to your advantage to save on interest. Typically, you will get a maximum borrowing period of 6 months.<\/p>\n<p>The loan application process is easy and fast, and you can get funding in as few as 15 minutes if you get approved.<\/p>\n<p>A major highlight of the loan is that in case of buyer\u2019s remorse, you can cancel the loan and return the principal within 14 days. The icing on this cake is that if you do so within the first 5 days, you will not pay a single penny in interest.<\/p>\n<h3 id=\"credit_check\">Credit Check<\/h3>\n<p>Before you apply for a loan from the platform, you can use the online calculator to estimate the cost. This is a useful resource that allows you to get a feel of the rates without having it affect your credit score. However, the final rate may be different from this estimate.<\/p>\n<p>As a responsible lender, Sunny Loans will carry out a credit check before approving your loan. This will verify that you are who you say you are and will also reveal your money management history.<\/p>\n<p>Whether it is your first loan on the platform or a subsequent one, the lender will always undertake this exercise. Before you go through the full application process, they can carry out a soft search to give you an indication of whether you might qualify.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3563\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1.png\" alt=\"Sunny Loans Review |...\" width=\"1848\" height=\"879\" srcset=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1.png 1848w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1-300x143.png 300w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1-1024x487.png 1024w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1-768x365.png 768w, https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/04\/Capture-3-1-1-1536x731.png 1536w\" sizes=\"(max-width: 1848px) 100vw, 1848px\" \/><\/p>\n<p>A soft search will not impact your credit score and will not leave a visible footprint on your credit history. In case you learn from this search that you are likely to get approval, then you may continue with the application.<\/p>\n<p>Once you <a href=\"https:\/\/learnbonds.com\/uk\/loans\/\">apply for a loan<\/a>, they will carry out a hard search, which will impact your score. Note that during this search, they will consider the number of recent searches on your report. A high number may indicate that you are struggling and may therefore not afford the loan.<\/p>\n<p>If your loan application gets approved, you will receive a repayment schedule. They will also give you access to an online account area. You can use this to keep track of upcoming payments and your balance and make additional payments if you want to.<\/p>\n<h3 id=\"repayment_and_interest_rates\">Repayment and interest rates<\/h3>\n<p>The lender is kind enough to send you reminders before your due date so that you can get your finances in order and avoid missing a payment. They make collection using a continuous payment authority (CPA).<\/p>\n<p>A CPA authorizes them to collect payments directly from your bank account using the debit card details you provide during the application process. This differs from a direct debit, which needs authorization from your bank and will attract charges if you do not have sufficient funds.<\/p>\n<p>If you would rather not use a CPA, you can cancel it at any time and instead make calls to pay over the phone, use online banking or pay through your online account on the platform.<\/p>\n<p>Using this online account, you can also change your payment schedule and make it shorter so as to cut down on interests. It is also possible to increase the repayment amounts under \u201cpayment options.\u201d To reduce this amount you would however need to contact the repayments team.<\/p>\n<p>You can make one-off payments through the online account or by making calls to the team so as to reduce the overall interest amount. Any payment you make will trigger their automated system to send you a repayment email with an updated balance. This could take up to an hour, so give it time before you make an additional transaction such as another repayment.<\/p>\n<h3 id=\"december_repayment_holiday\">December repayment holiday<\/h3>\n<p>An interesting highlight of Sunny Loans is the December payment holiday. In recognition of the fact that Decembers can be tough financially, they make a considerate provision. If your loan repayment falls between 14<sup>th<\/sup> and 31<sup>st<\/sup> December, you can postpone it.<\/p>\n<p>To qualify for this, you need to select the option during the application process, so as to access a new repayment schedule. You cannot apply for the provision any time after application or funding.<\/p>\n<h2 id=\"what_loan_products_does_sunny_loans_offer\">What loan products does Sunny Loans offer?<\/h2>\n<p>Sunny Loans offer some of the <a href=\"https:\/\/learnbonds.com\/uk\/payday-loans\">best payday loans<\/a> that differ from the traditional definition of this type of loan. Typically, payday loans involve borrowing a small amount of cash and repaying it in full on your next payday.<\/p>\n<p>But the Sunny Loans alternative to this allows you to borrow a slightly higher amount than the average <a href=\"https:\/\/learnbonds.com\/loans\/payday-loans\/same-day\">payday loan<\/a> would offer. Furthermore, you can make repayments over a period of time in installments. Every month, you get to pay off a part of the capital as well as the interests accrued over the period.<\/p>\n<h2 id=\"sunny_loans_account_creation_and_borrowing_process\">Sunny Loans Account Creation and Borrowing Process<\/h2>\n<h4 id=\"1_to_create_an_account_and_borrow_your_first_loan_from_sunny_loans_start_by_visiting_the_website_and_clicking_on_lets_get_started\">1. To create an account and borrow your first loan from Sunny Loans, start by visiting the website and clicking on \u201cLet\u2019s Get Started.\u201d<\/h4>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-146737 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/Screenshot_817.jpg\" alt=\"Screengrab of the rates and terms page of Sunny loans company\" width=\"1008\" height=\"551\" \/><\/p>\n<p>It will take you to the online loan calculator, where you can select the amount you want to borrow and the loan period. Adjust both sliders until you get a loan package that seems suitable based on your circumstances.<\/p>\n<h4 id=\"2_click_on_continue_to_get_started_on_the_actual_application\">2. Click on \u201cContinue\u201d to get started on the actual application.<\/h4>\n<h4 id=\"3_there_are_four_steps_in_the_application_process_in_the_first_step_you_will_need_to_provide_your_personal_details_start_by_indicating_the_amount_you_want_to_borrow_your_name_date_of_birth_and_number_of_dependents\">3. There are four steps in the application process. In the first step, you will need to provide your personal details. Start by indicating the amount you want to borrow, your name, date of birth and number of dependents.<\/h4>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-146738 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/08\/Screenshot_818-1.jpg\" alt=\"Loan application page of Sunny loans capturing personal information\" width=\"982\" height=\"555\" \/><\/p>\n<h4 id=\"4_next_enter_your_contact_details_including_email_address_mobile_number_and_home_number_optional\">4. Next, enter your contact details including email address, mobile number and home number (optional).<\/h4>\n<h4 id=\"5_enter_your_current_address_and_create_a_password_to_secure_your_account\">5. Enter your current address and create a password to secure your account.<\/h4>\n<p>Click \u2018Continue\u2019 to proceed to the next step.<\/p>\n<h4 id=\"6_under_the_second_step_you_will_enter_the_details_of_your_income_and_expenses_and_in_the_third_stage_you_need_to_submit_bank_details\">6. Under the second step, you will enter the details of your income and expenses. And in the third stage, you need to submit bank details.<\/h4>\n<h4 id=\"7_after_you_are_done_providing_this_information_you_will_need_to_wait_for_a_decision_from_the_team\">7. After you are done providing this information, you will need to wait for a decision from the team.<\/h4>\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><em>It\u2019s essential to be cautious during the sign up process for these products. This is because you can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.<\/em><\/div><\/div>\n<h2 id=\"eligibility_criteria_for_sunny_loans_loan\">Eligibility Criteria for Sunny Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>In order to qualify for a loan from Sunny, here are the requirements you would need to meet:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be a UK resident<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Be at least 18 years of age<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Provide proof of regular income<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Provide details of your residential address over the past 3 years<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Provide your bank account details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have a mobile phone<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Have an email address<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Not be bankrupt<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Submit to a credit and affordability check<\/li>\n<\/ul>\n<\/div>\n<h2 id=\"information_borrowers_need_to_provide_to_get_sunny_loans_loan\">Information Borrowers Need to Provide to Get Sunny Loans Loan<\/h2>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<p>Here is the information you need to provide when applying for a loan here:<\/p>\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Personal details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Contact information<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Bank account details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Employment information<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Debit card details<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Three years of address history<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#189d2b\"><\/i> Income and expenditure details including current financial obligations<\/li>\n<\/ul>\n<p><em><\/div><\/em><\/p>\n<h2 id=\"what_are_sunny_loans_loan_borrowing_costs\">What are Sunny Loans loan borrowing costs?<\/h2>\n<p>Here are some of the costs associated with borrowing from this lender:<\/p>\n<ul>\n<li>Representative APR \u2013 1,281%<\/li>\n<li>Maximum APR \u2013 1,617%<\/li>\n<li>Application fees \u2013 nil<\/li>\n<li>Administration fees \u2013 nil<\/li>\n<li>Late payment fees \u2013 nil<\/li>\n<li>Early payment fees \u2013 nil<\/li>\n<li>Daily interest rate \u2013 0.8%<\/li>\n<\/ul>\n<p><strong>Representative example:<\/strong><\/p>\n<ul>\n<li>Loan amount \u2013 \u00a3100<\/li>\n<li>Loan term \u2013 6 months<\/li>\n<li>Monthly repayment amount \u2013 \u00a331.91<\/li>\n<li>Total repayment amount \u2013 \u00a3191.48<\/li>\n<\/ul>\n<h2 id=\"sunny_loans_customer_support\">Sunny Loans Customer Support<\/h2>\n<p>According to online reviews, Sunny Loans has a great support team. Overall, the platform is rated 8.9 out of 10 on Trustpilot, with lots of comments citing the helpfulness of the team and their great service.<\/p>\n<h2 id=\"is_it_safe_to_borrow_from_sunny_loans\">Is it safe to borrow from Sunny Loans?<\/h2>\n<p>Yes. Sunny Loans is a regulated entity authorised by the FCA. They are direct lenders and will not therefore share your sensitive data with third parties. Additionally, the website makes use of advanced encryption protocol to keep user data safe.<\/p>\n<h2 id=\"sunny_loans_review_verdict\">Sunny Loans Review Verdict<\/h2>\n<p>Like any other short term lender, Sunny Loans offers funding to a wide range of borrowers at a premium. You may qualify for a loan on the platform even without having a great credit score. And best of all, you can confirm this without going through the application process.<\/p>\n<p>The lender has lots of user-friendly features such as the provision to borrow up to four loans at a time and the December payment holiday. They offer loan approval services and funding round the clock and even on holidays, which is great for emergency situations.<\/p>\n<p>But even though their loan terms are short, they are a friendly choice for last resort borrowing.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Try Our Recommended UK Payday Loan Provider 2020:<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            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                                              <a href=\"https:\/\/learnbonds.com\/uk\/visit\/lendingstream\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">Apply Now!<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            *Subject to lender requirements and approval.                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"glossary_of_loaning_terms\">Glossary of loaning terms<\/h2>\n\n\t\t<div class=\"glossary-component--container\">\n\t\t\t<div class=\"glossary-component--inner\">\n\t\t\t\t<div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Score.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Score<\/span><\/div><div class=\"glossary-component--term-text\"><p>A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guaranteed.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guaranteed Approval <\/span><\/div><div class=\"glossary-component--term-text\"><p>Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Limit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Limit <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Credit Limit is the highest amont of credit a lender will lend to the borrower.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Collateral.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Collateral<\/span><\/div><div class=\"glossary-component--term-text\"><p>Collateral is when you put up an item against your loan such as your house or car. These can be repossessed if you miss payments.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Cash-Advance.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Cash Advance  <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Cash Advance is a short-term loan that has steep interest rates and fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Rating.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Rating<\/span><\/div><div class=\"glossary-component--term-text\"><p>Your Credit Rating is how likely you are to fulfill your loan payments and how risky you are as a borrower.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Fixed-Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Fixed Interest Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Interest <\/span><\/div><div class=\"glossary-component--term-text\"><p>The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Default.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Default <\/span><\/div><div class=\"glossary-component--term-text\"><p>If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Late-Fee.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Late Fee<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you miss a payment the lender will charge you for being late, this is known as a late fee.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Unsecured.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Unsecured Personal Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Unsecured Personal Loan is when you have a loan based solely on your creditworthliness without using collateral.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Secured-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Secured Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Prime-Rate.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Prime Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>This is the Interest Rate used by banks for borrowers with good credit scores.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Principle.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Principal<\/span><\/div><div class=\"glossary-component--term-text\"><p>The Principal amount the borrower owes the lender, not including any  interest or fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Variable-Rate.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Variable Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p> A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Installment-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Installment Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Bridge-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Bridge Loan <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/AAA-Credit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>AAA Credit<\/span><\/div><div class=\"glossary-component--term-text\"><p>Having an AAA Credit Rating is the highest rating you can have.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guarantor.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guarantor <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.\r\n\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/LIBOR.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>LIBOR <\/span><\/div><div class=\"glossary-component--term-text\"><p>LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for the interest rates in London. It is an average of the estimates interest rates given by different banks based on what they feel would be the best interest rate for future loans.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Home-Equity.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Home Equity Loans <\/span><\/div><div class=\"glossary-component--term-text\"><p>Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Debt.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Debt Consolidation <\/span><\/div><div class=\"glossary-component--term-text\"><p>Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthly payment, usually with a lower interest rate.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Federal-Student.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you obtain a Student Loan to pay your way through College then you loan is held with the Department for Education U.K.\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Broker.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Grants<\/span><\/div><div class=\"glossary-component--term-text\"><p>Financial Aid in the form of grants is funding available to post-secondary education students throughout the United Kingdom and you are not required to pay grant<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<h2 id=\"faq\">FAQ<\/h2>\n<div role=\"heading\" data-hveid=\"CAsQBQ\"><div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-06-17 17:07:56\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Will the December payment holiday affect my repayment schedule?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Yes. If you select the feature, you will make the same number of repayments as before. But you will not need to have any due dates within the \u2018holiday\u2019 period. Click on the facility to view your new repayment schedule and choose whether or not to opt in.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Will there be any additional costs for opting in to the December payment holiday?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Any loans repayable within the standard 6-month period will not incur any additional costs. But if the repayment period is shorter, you will pay more than you would have paid without the holiday.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Why does the lender ask for both bank account and debit card details?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">They use the bank account details to deposit the funds into your account if your application is successful. And they use the debit card to collect repayments on the due dates.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Can I apply for another loan when I already have an active loan from Sunny?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Yes. The lender allows you to have up to four loans at the same time, on condition that your credit and affordability checks are satisfactory.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Can I make an application and receive funds over the weekend?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Yes. You can have your application approved and funded 24\/7. Sunny processes applications every day round the clock, even on bank holidays. You should have your funds within 15 minutes no matter when you apply.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What other store services does Sunny Loans offer? <\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Sunny Loans does not offer any other store services.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>\n<div role=\"heading\" data-hveid=\"CAsQBQ\"><\/div>\n<h2>UK Payday Loan Reviews- A-Z Directory<\/h2>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Sunny Loans Review 2020|Payday Loans| Read Before Applying<br \/>\nSunny loans funds your account in 15 minutes. Learn how you can get \u00a32500 and repay in 6 months here<\/p>\n","protected":false},"author":644,"featured_media":146736,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-95","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sunny Loans Review 2020 \u2013 READ THIS BEFORE Applying! - Learnbonds UK<\/title>\n<meta name=\"description\" content=\"Read our 2020 review on Sunny Loans. We&#039;ve covered APR rates, fees, eligibility and more. 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