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Sunny is the trading name of Upward Finance Ltd, who are an introducer appointed representative of Flux Funding Limited. They act as a credit broker and not a lender. When you apply for a loan with Sunny, your details will be forwarded to other brokers and/or lenders. Lenders will then decide whether to offer you a loan or not.

It’s better to take a loan from a direct lender instead. When you apply with a direct lender like Cashfloat, we will look at your application, and if we can approve it, we will send you the money directly. Your information will not be shared with other lenders. As well as this you won’t have to pay extra for the broker, and the whole process will be faster.

As well as being a direct lender, Cashfloat offers faster, simpler and cheaper payday loans all with a high acceptance rate. We’re part of the new generation of payday lenders.

At Cashfloat, we will never fund a loan that a customer can’t afford to repay. We perform careful checks to make sure our customers can afford the loan they’ve applied for during the application approval process. If you encounter any difficulties at any stage of the loan process, you can also speak to our friendly customer service team who will do everything they can to help.

How do you get a Cashfloat loan?

Borrowing from Cashfloat is simple. You can borrow between £300 and £1,500, and you can repay the loan in 3-9 monthly instalments. We offer flexible repayment terms, and we’re completely transparent with our fees. You’ll know exactly how much it will cost to borrow from Cashfloat before you take out your loan. You’ll also know exactly what your repayment schedule will be.

Here’s how the process works:

• Apply for your Sunny loan alternative online
• Get your instant lending decision
• If approved, you will receive your Sunny loan alternative within an hour
• Make your monthly repayments online to Cashfloat

Before you apply for a loan, you can use our loan calculator to explore your borrowing options. You can also use our affordability calculator to check that you can afford a loan before you apply.

Get your sunny loan alternative today!

Cashfloat Easy Start

Did you know about our ‘Easy Start’ feature, where we add an extra monthly payment but reduce the first payment to a more manageable amount? The idea is to make repaying a loan easier at the start when our borrower’s finances are most likely to be disrupted. All this comes at no extra cost, and is just designed to make things easier.

Am I eligible for a Cashfloat loan?

To apply for a Sunny loan alternative with Cashfloat, you must:

• Be a resident of the UK
• Be over 18 years old
• Hold a UK bank account
• Have a steady source of income

Yes! We’ve lent to many satisfied customers in the past who didn’t have a perfect credit score. We were able to help them, and we could help you as well. When we assess a customer’s level of affordability, we take many factors into account and not just their credit score. As long as providing you with a loan won’t harm your finances, we will happily fund you the money.

What about no credit check loans?

If you’ve got a poor credit score, you may be tempted to use a lender that advertises ‘loans with no credit check’. However, you shouldn’t be attracted to offers like this. Credit checks are necessary for your safety. Companies in the UK that provide no credit check loans are irresponsible. These lenders definitely do not have your best interests in mind, and you shouldn’t borrow money from them.

The lending company Sunny was originally founded in 2014 and was a trading name of Elevate Credit International. Sunny went into administration on 29th June 2020, following a large number of customer complaints about their ’unaffordable payday loans’ and an increasing number of refunds the company was forced to pay. Ed Boyle and David Pyke of KPMG LLP were appointed as joint administrators of Elevate Credit International Limited.

As of October 2023, Sunny is a trading name of Upward Finance Limited, and they are offering loans again.

Cashfloat is the leading unsecured credit platform in the UK, and our entire business model is built to be fully FCA compliant and to promote safe and responsible lending.

As a trusted UK lender, all our underwriting and approval procedures are designed to protect our customers’ best interests. We have an advantage over older lenders who have had to adapt their operations to fit with the FCA guidelines because ours have been designed like this from the start. You’re guaranteed safety when you take a payday loan through Cashfloat.

We define our success by the number of people we help, not by the profits we make. Join over 100,000 happy customers that we’ve already helped!