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  • Various Loan Types: Offering a broad spectrum of loans to cater to diverse financial needs.
  • Transparent Fees: Clear fee structure with no hidden charges, especially for small loans.
  • Flexible Loan Amounts: Loan amounts ranging from $150 to $2,500 providing flexibility based on need.
  • Quick Application Process: Easy online application for swift processing and disbursement.


  • High Establishment Fee: $400 establishment fee for medium loans might be considered steep.
  • High APR for Medium Loans: Annual Percentage Rate (APR) of 48% per annum for medium loans is on the higher side.

Here’s a comprehensive guide on what you need to know about Sunshine Loans, including the costs, what’s covered, and what’s not.

Cash Loans from $2k to $5k

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About Sunshine Loans

Sunshine Loans, sailing under the Australian Credit License Number 390556, extends a helping hand to Australians in need of financial assistance through a variety of loan offerings. Whether it’s a small hiccup or a medium-sized financial hurdle, Sunshine Loans has a solution to help you jump over.


  • Loan Amounts:
    • Small Loans: $150 to $2,000
    • Medium Loans: $2,001 to $2,500
  • Fees:
    • Small Loans:
      • Establishment Fee: 20% of the Amount Borrowed
      • Monthly Fees: 4% of the Amount Borrowed
    • Medium Loans:
      • Establishment Fee: $400
  • Interest Rates:
    • Small Loans: Not Applicable
    • Medium Loans: 48% per annum (APR)
  • Comparison Rate:
    • 66.20% for a loan of $2,500 over two years

Loan Terms


  • Small Loans: 63 to 98 days
  • Medium Loans: 63 to 140 days (Not exceeding 2 years)Repayment Options:

Repayment Options:

  • Flexible repayments aligning with the loan term and amount

Interest Calculation:

  • Calculated annually for Medium Loans


Loan Amounts$150 to $2,500
Establishment Fee20% of the Amount Borrowed (Small Loans), $400 (Medium Loans)
Monthly Fees4% of the Amount Borrowed (Small Loans)
Annual Interest Rate48% (Medium Loans)
Comparison Rate66.20% for a loan of $2,500 over two years
Loan DurationSmall Loans: 63 to 98 days, Medium Loans: 63 to 140 days
Repayment OptionsFlexible repayments
Interest CalculationAnnually (Medium Loans)

Cash Loans from $2K to $5k

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What’s Covered

  • Transparent Lending: Sunshine Loans maintains a transparent fee structure ensuring there are no hidden charges especially for small loans.
  • Diverse Loan Offerings: From emergency cash loans to loans for unemployed, they have a variety of loan types to meet different needs.

What’s Not Covered

  • Long-Term Financing: Medium loans do not exceed a tenure of 2 years.

Final Takeaway

Sunshine Loans provides a ray of hope with its array of loan offerings catering to diverse financial circumstances. With a transparent fee structure for small loans and a range of loan types, they stand as a reliable financial partner. However, the higher establishment fee and APR for medium loans necessitate a thorough review before sailing forth on this financial voyage.