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Sunshine Loans: Reviews and Ratings

Sunshine Loans logo
You’re staring down rent. The car’s making that sound again. Groceries, phone bill, insurance — all due before your next paycheck hits. Then, out of nowhere, you see an ad: Need money today? Apply now. No perfect credit required.
Enter Sunshine Loans, the kind of lender that thrives in financial crunch time. Quick approval. Same-day funding. Easy terms — at least on the surface. If you’re desperate, it sounds like a lifeline.
But is it really help, or just another headache waiting to happen?







What is Sunshine Loans
Sunshine Loans homepage
Sunshine Loans is a Florida-based online lender that offers payday and installment loans of up to $2,000. It markets itself on speed and accessibility, promising same-day cash if you apply early in the day. The process is designed to be quick: no faxed pay stubs or multi-day underwriting delays.
The lender operates in several states, including Florida, Alabama, California, Colorado, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, Ohio, Tennessee, Texas, Utah and Wisconsin. It has no physical branches; all transactions are conducted online.
Sunshine Loans is not accredited by the Better Business Bureau. As of July 2025, it holds an “B-” rating and has multiple unresolved customer complaints.
Sunshine Loans BBB profile
The company provides little background on its website — no named leadership, no third-party endorsements, and no detailed company history.
How it works
Sunshine Loans online form
Here’s how the process typically works:
- Application: Borrowers fill out a short online form with employment and income information.
- Eligibility check: You must be at least 18, reside in an eligible state, have a steady income and maintain a checking account.
- Approval and funding: If approved before 11:30 a.m. on a business day, funds may be deposited that same day. Otherwise, funding typically occurs on the next business day.
- Repayment: Payments are deducted automatically every two weeks, often over five total payments.
The application process is simple, but that does not mean it is without risks.
Where Sunshine Loans stands out
Sunshine Loans serves a specific type of borrower — typically someone with poor credit who needs funds quickly. Here are the key selling points:
- Speed: Apply in the morning and potentially receive funds by evening.
- Access: Sunshine Loans performs a soft credit check but focuses more on current income and account stability than on credit score.
- Convenience: The process is entirely online. No in-person visits or paperwork.
This streamlined process may appeal to borrowers in a crisis, but speed often comes at a high cost.
The cost of borrowing
Sunshine Loans discloses on its website that its loans come with high interest rates. Annual percentage rates can reach up to 722.71 percent, depending on the state and the terms of the loan.
For example:
- A $500 loan may result in payments of approximately $45 every two weeks.
- In one case, a borrower reportedly repaid nearly $1,000 on a $500 loan and still owed more than $1,600 due to fees and rollover charges.
Borrowers who miss payments may find themselves stuck in a debt cycle, making payments without ever reducing the loan principal.
Who qualifies
The eligibility criteria are broad. Borrowers must:
- Be at least 18 years old
- Live in a state where Sunshine Loans operates
- Have a checking account
- Have a steady source of income
- Provide a valid phone number and email address
A soft credit check is typically performed, but the company emphasizes ability to repay over credit history.
Customer reviews
Sunshine Loans trustpilot profile
As with many payday lenders, reviews are mixed. When loans are repaid on time, users report a smooth experience. When problems arise, complaints tend to focus on unclear fees and customer service challenges.
Positive reviews include:
Sunshine Loans Reddit reviews
- “Got my money the same day. Process was smooth.”
- “Customer service explained everything clearly. Super easy.”
Negative reviews include:
- “I’ve been paying and paying, but my balance barely moved.”
- “They kept auto-drafting after I told them to stop.”
- “Felt like a trap. Nothing was clear until I was already locked in.”
As of late 2025, Sunshine Loans had only zero reviews listed with the Better Business Bureau. Complaints included unauthorized withdrawals and disputes over loan terms. While the company responds to most BBB complaints, some users say the replies are generic or unhelpful.
How it compares
Lender | Maximum loan | APR or fees | Same-day funding | BBB accredited |
Sunshine Loans | $2,000 | Up to 722.71 percent | Yes | No |
MoneyMe | $2,000+ | Transparent | Sometimes | Yes |
EarnIn / Brigit | $250–$750 | Tip-based or free | Yes | No |
LendingPoint | $25,000 | Fixed APRs | No | Yes |
Sunshine Loans may provide relief in an emergency, but other options — such as employer advances or earned wage apps — may offer similar convenience at a lower cost.
Pros and cons
Pros:
- Same-day funding available
- Open to borrowers with poor credit
- Fast, online application
- No in-person visits
- Biweekly repayment schedule is clear
Cons:
- APRs can exceed 700 percent
- High potential for debt cycle
- Not accredited by the Better Business Bureau
- Limited company transparency
- Few third-party reviews
Final verdict: know what you’re signing
Sunshine Loans delivers on its promise of fast cash and easy access, but that speed comes at a price. The lender’s interest rates can exceed 700 percent, and its reputation for transparency is weak.
Here’s what borrowers should consider:
- Loans may go up to $2,000.
- APRs can reach 722.71 percent, depending on your state.
- The lender is not BBB accredited and holds an “B-” rating.
- While no hard credit check is conducted, a soft pull does occur.
- Sunshine Loans has a limited online presence and few verified reviews.
If you’re in a genuine emergency and confident in your ability to repay on time, the loan may offer short-term relief. But if you’re relying on it to cover ongoing expenses, it could worsen your financial situation.
Think of Sunshine Loans as a fire extinguisher — break glass in case of emergency. It’s not meant for routine use.
Bottom line
Sunshine Loans provides small-dollar loans with fast turnaround and minimal credit hurdles. But with interest rates topping 700 percent and limited oversight, the loans are best used only when no other options exist. Borrowers should proceed with caution and explore alternatives first.
Frequently asked questions
- Do I need a linked bank account to apply for a Sunshine Loans installment loan? Yes — Sunshine Loans requires a linked checking account to verify your income, deposit funds, and automatically schedule repayments. Your bank account must be active and in your name. This is standard practice for most lenders offering short-term or installment loans, especially those without BBB accreditation.
- How long does final approval take after submitting the Sunshine Loans application? Once you submit your Sunshine Loans application, approval can happen as fast as the same business day, especially if all bank and income details are confirmed early. If you’re approved before 11:30 AM, you may even receive funds immediately. That said, timing depends on your bank, your state of residence (like Texas, Utah, or Missouri), and whether additional proof or documents are needed.
- What fees or repayment terms should I expect with Sunshine Loans? Sunshine Loans is upfront about being a high-cost lender — interest rates and fees are high compared to traditional options. Most loans are under $1,000, with biweekly payments calculated to be manageable but still aggressive. Read the contract carefully. There’s no BBB rating to fall back on, so understanding the loan terms before signing is key.
- What should I do if there’s an issue with my payment or account? If your debit card is declined or your bank account can’t process the payment, you should contact Sunshine Loans’ customer service immediately. Several complaints filed with the Better Business Bureau mention missed payments leading to extra fees or misunderstandings. Be proactive — email, file a support ticket through their website, and keep a paper trail if you’re facing unusual circumstances.
- Is Sunshine Loans a reputable company, and are they BBB accredited? Sunshine Loans is not accredited by the Better Business Bureau, and they currently have no formal BBB rating. While some customers have had a positive experience, others report negative reviews related to service issues, refund problems, and lack of response. As with any online lender, proceed with caution, read the fine print, and weigh all resources before you accept the loan.
- Do I need a linked bank account to apply for a Sunshine Loan? Yes—having a linked checking account is a non-negotiable part of the Sunshine Loans application process. Your bank account not only helps verify your income and identity, but it’s also how the loan funds are deposited and how your repayments are collected. Debit cards or prepaid accounts typically won’t cut it—they’re looking for an active current account that can handle direct transactions.This is also why some customers run into issues if their account info isn’t up-to-date or if they switch banks mid-loan. Missed payments can trigger added fees, so it’s smart to confirm everything’s accurate before hitting submit. If your bank changes, contact their customer service team immediately to avoid any delays or overdraft drama.
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Advertorial or Sponsorship User published Content does not represent the views of the Company or any individual associated with the Company, and we do not control this Content. In no event shall you represent or suggest, directly or indirectly, the Company's endorsement of user published Content.
The company does not vouch for the accuracy or credibility of any user published Content on our Website and does not take any responsibility or assume any liability for any actions you may take as a result of reading user published Content on our Website.
Through your use of the Website and Services, you may be exposed to Content that you may find offensive, objectionable, harmful, inaccurate, or deceptive.
By using our Website, you assume all associated risks.This Website contains hyperlinks to other websites controlled by third parties. These links are provided solely as a convenience to you and do not imply endorsement by the Company of, or any affiliation with, or endorsement by, the owner of the linked website.
Company is not responsible for the contents or use of any linked website, or any consequence of making the link.
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