They say they take there lending obligations seriously crap thay brake lending regulations
Ok you say you take your lending obligations seriously i say crap. so then why do you lend money to people in a part 9 agreement which is against lending regulations???
I recently hard a small loan with sunshine loan and to my surprise I can not believed that such company exist where in they ripped people off. This group (sunshine loan) was suppose to be taking money from my account every fortnight as arrange on the contract what they where doing is to if to debit my account for one payment and then they will send you an email saying oh you just miss one payment and and you have being charge extra $30. when the were only debiting my account with half payment I did send them an email querying them about there d...oing and they said it might have been my bank I call my bank and they said my account can be overdrawn up to $250 and sunshine loan was suppose to be taking less than that amount and i sent up half of my pay to be going into that account every day sunshine loan was suppose to be taking morning from my account they did the same thing yesterday so if they do not repay me back I will take it further I am not satisfied with there approach at all.
Great for me. Gets me out of trouble when I need
Always been happy with sunshine loans. Typical pay day loans are always expensive but these guys are one of my best and easiest options I use. Have had many loans and am happy
LACK OF UNDERSTANDING
Worst loan place that I have encountered with. In all seriousness, this company does not understand courtesy. I had called prior to the payment of my loan to make an arrangement due to the fact that I didnt have enough money from my pay to cover all my bills for that week. I advised that I would be able to make up for this payment in the next fortnight however they told me that the direct debit was going remain on despite me telling them I needed that money for other bills and rent and I gave them the courteous call prior to the payment going o...ut. Extremely appalled by the service and lack of understanding you have for customers, my experience here has been extremely unsatisfactory due to the fact that you couldnt simply understand the situation I was in. I spoke with Braydon whom offered no assistance to my situation. You guys are so quick to approve a loan for individuals and despite me paying my normal scheduled payments on this one occasion I asked for an arrangement you have left my current bank account at the moment overdrawn , even though I called prior to the payment day that I could not make this schedule payments.
One of the good guys
I've used sunshine loans a few times over the past few years and have never had an issue.
Their fees are laid out clear to see, the approval process is straight forward. Same day funding and the cost of the loan itself is perfectly reasonable.
There are alot of bad actors in this industry but these guys aren't it. Probably the only service of this type of consider using.
They dont lend if you have great credit
Dont bother if you have good credit. I have a perfect credit record, still knocked back. Dont bother with them. You just get a no reply sms with no reason why. Im in advance with power, gas etc. Still knocked back.
Got screwed around
After having continuous loans with then and paying it back on time and sometimes even earlier paid back I apply this time same details and amount and get declined not happy and no explanation why
- Verified customer
Was paid in full of $792 - today took more money out of my account
Borrowed $900 and paid back full amount as per contract
Last week on Friday 27th September 2019 I paid the full amount outstanding on my account Which was $792 in which I got told that was the full and final payment
Today 1st October i was paying more bills on line to my surprise, Sunshine loans debited my account again of 2 payments of $54 dollars
I've emailed the situation to no response, transparency is what's needed here, will definitely inform the follow if not resolved
Australian Security Investment Commission
Australian Financial Complaints Authority...
Highly disappointed!! I applied for $350 and was declined. I certainly have the capacity to repay however they weren't interested in my business.
I have recently been approved for $8000 car loan and $2000 loan with another reputable company with no dramas at all.
Sunshine will reply and say 'they take lending very seriously' but to be honest I don't think they know what they are doing lol
DEFINITELY DO NOT RECOMMEND!!!
Money3 are the way to go.....
It is what it is
Great customer service, quick and easy approval with money in your account.
As long as you pay the right amount on time you won't have any problems if you can't afford repayments don't get the loan then complain about not being able to pay it back. It is what it is
Ive been using sunshine loan for a very long time its my 4th time getting a loan and they decline it ,specially when i need it the most for a bond i moved place and accept new better job and they decline it didn’t even give me reasons so disappointed got a contact for new job only and every week for the last 5 years money is comming to my account and didnt give me reasons so i can figure out what i can do and mind you i just finish my final payment a day ago and was really hoping to re new my contract!! No loyalty to their costumer at all!!
- Verified customer
Really Fast and Fair Rates
Fast and straightforward. Upfront with their fees and very transparent about the process and the consequences/fees of not paying on time.
Good rate; My $1200 loan only cost me $240 on top!
Should have stuck with CashStop Personal Loans!!
Made the mistake of coming back to these guys having previously used them about 2 years ago (despite earning $200K a year I am a shocking spendthrift, my bad!!) and this is not written because they have refused my application but because the process was arduous, they made me jump through so many hoops and it took a day to come back with a decision. Whilst waiting this morning at the airport I applied online with the other afore-mentioned lender and decision came back (in the positive) within the hour, funds should be with me this afternoon (if...I remember rightly these people despite claiming otherwise are usually overnight . I have no problem whatsoever with any of these type lenders high interest rates, the ones that do it right fulfill a much needed, convenient role. I think it is just the companies like Sunshine Loans to sully the industrie's name. Go elsewhere first if you can people! Jonathan
Great prompt service. Very open
Great customer service. Prompt decision and funding. All fees laid out up front . Just read contracts thoroughly. Yeah they do charge high fees but I'm guessing that like myself, some borrowers present a higher risk, so fair is fair. Would happily use again if in a pickle.
Great service, slow on funding
They processed the loan promptly and are great at sorting problems out with their automate systems. A little slow on the initial funding but overall a good lender and would definitely use them again if needed.
I applied and am currently paying back a loan.
They believed in me when mainstream lenders wouldn’t....
We have a sweet agreement....
They charge as they stipulated on signing,
I agree to pay back said amount....
The worst. Don't do it!
If I could give no stars I would. The worst customer service ever & very inconsistent/awful approval process. If you want to get treated like crap, then apply.
At Sunshine Loan Centres if you have been a previous customer numerous times (successfully) without any late payments, & paid in full etc - they DO NOT CARE. And further to that, they won't reply to your texts either, disappearing & leaving you to wonder what is going on.
I have had at least 3+ successful loans in the past with these people & I should note, that all were paid on time, ...all successful & they were approved on much less income & way more commitments than I have now. However, the last time I applied I was declined all of a sudden because I had a few reversals on my bank statement & this was literally the only issue with my approval. These reversals were not loans or credit cards I owed (as I have none). They were a couple of random things eg, school fees/gym that are always paid in advance and not arrears & I choose to have them debited for my own convenience - If I choose to pay another way one week, I can & I do. I was told I could not have a tiny loan because of this - despite explaining to them what they were, which was absolutely ridiculous. When it became clear to me that these reversals were going to always be referred to in the future even long after they have happened, I sorted them by choosing another payment method, closed my account and started a fresh new history with another bank..... waited a length of time, and applied 4 months later. To to make it clear, when I applied for my loan 2 weeks ago I had a 3-month statement which is what they had requested, with no reversals, a full-time wage, no loans or credit cards. Funds requested? $250. After doing all the right things, they referred to my previous declined application!!! You can't WIN! Basically, a person cannot even take steps to improve their application or situation for re-applying because it will always be used against you & this is supposed to be a company that specializes in making things easy for people, especially other people in unusual circumstances. They said that I needed to prove all my reversals from months ago had been paid on an account which I don't even hold anymore (from the last declined application). So to do all that I would need to go back to those people and contact them for statements and proof, which to be honest, for $250 is not even worth my time as it was going to take a while to do given my previous bank account has been closed. Very fishy & dodgy. Definitely not right & very harsh considering the amount applying for (and my successful loans with them have been for $2000 or $1000 etc). My previous history had not been taken into account at all. It was way easier to apply for my first home then this was. However, what made me the angriest, is when I attempted to have a conversation with them about it, they just ignored me and didn't reply. I had no idea whether my application had even officially been rejected until all this time later. The moral of this story is DO NOT get a loan through these people. Go to Fairgo Finance. They are incredible & they actually took the time to look at my good history, kept in contact with me all the way and looked after me & made me feel like a valued person. Even if Fairgo had declined my application yesterday I still would have gone back to Fairgo finance for the simple reason that they didn't treat me like crap. But they approved it!
Never had a problem until now
Up until now Sunshine Loans has been very good with me however just recently after finding out I only had two more payments left I asked commission to move the last two payments back a fortnight they agreed to this and told me that they would charge me a fee for doing so. Since then I have had messages Weekly stating that extra money will be added every week until I have paid my missed payment which I never missed I organised it so that they would be moved back. Now I have paid the remainder of my two payments only to find out that I apparently...still have $248 left to pay after being told when I moved the payments back a fortnight that I would only have to pay two payments of 190 to complete my loan now I can't contact them to let them know. Every time I call it tells me the line is too busy please call back later.
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Questions & Answers
I have applied for a 1000 loan and it got approved quickly and was around 2pm WA time which is 4pm QLD time.. Then I got a sms saying the funds had been sent to my account and would receive before 5pm WA time. I'm writing this at 632pm WA time and there are no funds in my account...I've double checked the contract with my account details and they were correct but no funds? I've rang my bank to see if anything was waiting to clear and they told me nothing was apparent ... will I ever receive my money? Does this happen often? I'm worried they've sent the funds to the wrong account or gotten a number wrong on there processing end... either way no1 funds yet and was promised before 5pm. It's now 635pm and nothing! Please get back to me as I've attempted to call and email support and nothing...
If I'm on centrelink will i be able to get a loan
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