Fast Short-Term Cash Made Easy
Get $100 - $1500 directly into your account.Apply Now!
- Australian owned & operated.
- Helping Australians since 1999.
- Payday Advances & Cash Loans from $100 - $1500.
- Apply online and sign your contact online.
- Use your smart phone, tablet or computer.
- Funds transferred directly into your account!
- Repayment options to suit your budget.
Why thousands choose Sunshine Loan Centres.
Cash Loans, Payday Advances, Rental Bond Loans. At Sunshine Loan Centres we can do all this and more. If you need between $100 and $1500 quickly - you've come to the right place!
Sunshine Loan Centres Pty Ltd is an Australian owned and operated business. We've been helping Australians since 1999. Your cash advance can be approved online without delay with your money being deposited into your account the same day (week days only).
Once you have been a customer, applying for another loan is easy as we already have all of your information on file. Just a quick phone call is all it takes!
We have a variety of finance options available and we will work out a repayment plan that fits your budget. There are no hidden fees and our advances can be paid out early without penalty. If you need cash and you can do without the mountain of paperwork and delays other institutions put you through - give us a call!
You can call Monday through Friday 6:30am til 4:30pm or apply online 24/7!
Other things you should know.
How much does it cost?
Our loans have a simple cost structure. The establishment fee is 20% of the amount borrowed. The monthly fee is 4% of the amount borrowed. Have a look at some of our example structures. Other fees may apply. See Question 3 below.
How much interest do you charge?
Under the current legislation Sunshine Loan Centres does not charge an interest rate. You may know this as Annual Percentage Rate or APR. We do charge an establishment fee and a monthly fee. See above.
What happens if I can't pay on time?
Let us know immediately so we can reschedule the payment. The fee for missing or rescheduling repayments is $35. If you miss a payment, we'll always try and contact you to try and sort out a suitable arrangement. In fact, we'll call, email, SMS and send a letter.
If your account remains in arrears after original loan completion date, you will be charged $30 per week while our collections team manage your account. Your account will be capped if it reaches double the principal you originally borrowed.
If your account remains in arrears after 60 days, we may mark your credit file with a default. This will appear on your file for 5 years and may make it difficult to borrow during that time.
Do you charge any renewal fees?
We don't renew loans by rolling them over or by refinancing them. You must finalise your loan with us before you can apply for a new one. Therefore, we don't charge renewal fees!
Are you compliant with regulations?
Absolutely. We are fully compliant with the National Consumer Credit Protection Act 2009 and our Australian Credit Licence Number is #390556. View our Warning About Borrowing for more information.Apply Now! Warning About Borrowing