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excellent payment history with sunshine will not go in your favour when applying. declined me on one reversal on my account being a customer for years always paying you on-time
A positive experience
I have only ever had positive experiences. Easy to communicate with and never an issue with initial money transfer, nor payments on the day I request. Remember peoples they aren't a free service, so ofcourse theirs fees associated, there doing you a favour. Happy all round
These guys are a saint!
Such a easy process. You can have a bad credit file but they look at you as a person and see how you spend your income and ask questions if they need to. Not some automated computer crap. The fees are fantastic and they are a pleasure to deal with
Applied for loan they approved it finalise it sent an email saying they transferred the money into my bank and said I'll get it before 7pm that night.. when 7pm came around nothing.. No money was deposited into my account and still they sent emails about REPAYMENTS!!! Horrible don't try them they are scammers!! Shouldn't even be a business!!!
The staff lie they repeatedly took money out on the wrong days which put my account in minus each time I spoke to them the amount owing was differant it get higher each time even tho I had been paying it iam so frustrated and would rather end up living in the gutter than borrow money from this place again!!!!!
Dont apply if its an emergency
Such a screw around. I applied for a loan out of desperation and was put in an unforseen and immidiate financial crisis. A whole 5 day screw around. Finally get the text that the money has been transferred and should appear before 7.00pm and then at 6.30pm get another text saying they'll do it tomorrow due to high volumes. Still trying to get into contact with someone. Apply anywhere else. I've never had an issue with any other company.
Sunshine Loans did what they said they would
I applied for a small loans through Sunshine Loans and am happy with the results. They have responded to my queries and have given me a loan at a far better rate of interest compared to the majority of other lenders. I would recommend this company for those seeking a short term loan.
And I thought my jokes were bad...
These people are nothing short of a bad joke.
Trust me when I say it's not worth the headache. Other places out there are more professional and helpful than these people.
They are relentless in stressing you out when times are tough
I fell victim to losing hours with my job because of covid. Regardless to how often I kept Sunshine Loans updated on my situation they continued to not only email me but also text message me with a single lump sum loan payout offer and in the same letter threaten me with Milton Graham even though they were well aware of my current financial situation. I then got my hours back up at work so made an arrangement to get my loan paid off in installments, which they appeared fine with but then I still kept receiving the "one off payout" offer and sti...ll being threatened with Milton Graham. I have been so stressed out as it is with everything thing that has happened yet they still relentlessly continued to put the pressure on. I am in the process of paying off this loan and will gladly never use them again.
Purposely Overdraw Your Account
Have had many loans with them over the years until I was finally declined due to a reversal on my bank statement.
Erm.. you set the payments a day earlier than someone’s payday which purposely overdraws their account. So how exactly is this a valid reason to decline an application?
I’m sure I’ll get the same copy and pasted response but enough is enough. Time to lodge a formal complaint against Sunshine Loans.
Always professional and there when you need them
Have used on few occasions as unexpected issues crop up always professional prompt and fair
I know of places that charge way more on interest
Thank you for your great help and professional service
Another loan company you can skip.
Just another loan company that declines me everytime I apply. Doesn't matter the amount. I've been in the same job for 5 years, full time, earn more than enough. And all I get each time is an email saying we can't help you. No reason, no way to talk about the outcome, nothing. My repayment history with other loan companies is perfect. How they find a way to decline me everytime I have no idea. Don't give these guys any business.
this place is the best of all
i have been through some bad times....long story short credit rating was crap, in time of desperation and 8 other options this mob saved the day and ill remain faithful so to speak.... please use these guys first.....
helped when in need
Similar to most Victorians, Covid has financially & mentally ruined me. Ironically, the only thing I do have is my physical health...Anyway, I guess it’s fair to say that I was not prepared in the slightest for any of 2020, but Sunshine Loans certainly have eased some of the financial burden I have been faced with. For a $500 loan, all up I paid out $660 over 6 x fortnightly payments & the money was in my account within 24hrs. I have found them to be very reasonable & easy to deal with. Payday loans are usually a far from great idea, however I found my experience with Sunshine Loans to be above satisfactory & in the likely, yet unfortunate circumstance of requiring another short term loan, i wouldnt hesitate in going through them again!
At first, good and seemingly willing to help you out...then boom they show their shark fins
I applied for a 1 thousand dollar loan of which I have been paying every fortnight on the dot without failure. My bank account has never since opening it at 17 years old been overdrawn before but because I Miscalculated my account balance on the day a repayment was due, only by about $50 mind you... Need to transactions of $110 each went through but the second one was bounced back to my bank and suddenly my account balance was thrown into an overdrawn amount of $220-despite the first payment of $110 successfully going through it was considered ...the two payments as one whole payment and if one didn’t get thru the two of them will show as an overdraw. Its crap. Then, showing how considerate they are of my situation they send me a happy little email with a link attached offering me a chance to apply for a smaller loan to help me out and pay them their money, can you actually believe that!!! So in the end I have now got only $180 in my bank account to get me through the week bcos when my pay of $404 came thru today, a good chunk of it didn’t even see my account as it was taken out for the repayment that bounced a few days ago. Now I get that you need to get the money any way possible when a customer repayment bounces or whatever, but you are very aware that every person is just trying to live thru a colossal time right now, so what would have been a better thing to do would have been to maybe contact myself thru a human written email or a phone call or text message, that doesn’t give me a link to dig a bigger hole for myself or leave me high and dry once my account has some cash in it. Hello Evelyn, we have seen that you have paid one of your repayments but unfortunately the second has bounced back due to insufficient funds in your account. We have seen your impeccable bank history and so wish to extend the option of explaining to us why it didn’t go thru and discuss when the next available time you will be able to pay this off. And I would’ve immediately said I can ask to borrow the outstanding amount from my mum and the outstanding amount will be paid out within 24 hours. But you sent me a message saying that it didn’t go thru, we are charging you an extra $35 fee on top of what’s owed plus don’t forget my bank charging me an overdraw fee of $15...like crap, you are meant to be human being with compassion and understanding-you have a name as sharks, but you’re all really just a bunch of scavenging vultures. Sorry to be really honest but I’m angry bcos I never got to explain to you and you take the time to try resolve a hard situation from becoming dire. No offence but crap you.
Questions & Answers
Can I loan another small amount while still making payments on the last loan. If I can will the repayments stay the same???
Danny I don't know.
what time will my money be in
Can I make a loan plz
Get an answer from our members and Sunshine Loan Centres representatives
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