Quick cash,bright future.
Personal loans from $300 to $1,500. Approved online in minutes, funded within 24 hours.
Clear numbers. No fine print.
Four steps. One sunny outcome.
Fill out the form
5 minutes online. No branch visit, no fax, no paperwork of any kind.
Instant income check
IBV technology verifies your income directly with your bank in real time. No documents to upload.
Review your offer
Every payment and every date shown before you sign anything. Walk away with no obligation — always.
Money in your account
Direct deposit within 24 business hours of approval. No waiting, no uncertainty.
The lender that keeps it simple.
No confusing terms, no surprise fees. Just a clear offer based on your real income — not a score a bureau assigned years ago.
What happens if you miss a payment?
We believe in full transparency. Here is exactly what happens — no surprises, ever.
Late fee policy
A one-time late fee may apply after a 3-day grace period. We will contact you before any fee is charged.
Collections
Accounts overdue beyond 90 days may be referred to a third-party collections agency, which can affect your credit file. Contact us early to avoid this.
Credit reporting
Payment history may be reported to Canadian credit bureaus. On-time payments improve your score. Missed payments hurt it. We report both.
No auto-renewal
Sunny Financial never rolls over or renews loans automatically. Any new loan requires a fresh application and new income verification.
Brighten Your Chances with a Cosigner
Our partner, Cosigns.ca, helps you unlock faster approval and better terms — even with a limited credit history.
Why Add a Cosigner?
A cosigner reduces lender risk and signals shared commitment — often unlocking faster approvals and stronger terms for borrowers who need a little extra support.
Faster Approvals
Cosigned applications move through review quickly. Less back-and-forth, faster decisions.
Higher Acceptance
A cosigner's backing meaningfully improves your odds — especially if your credit file is thin or recovering.
Fully Digital
Our integration with Cosigns.ca makes adding a cosigner entirely online. No paperwork, no in-person meetings.
4 Steps to Approval
Apply
Submit your standard application with Sunny Financial.
Get Referred
If extra backing would help, we'll connect you with Cosigns.ca.
Add Cosigner
Your cosigner completes a quick, fully digital verification.
Get Funded
Approval confirmed — funds land in your account the next business day.
Cosigner & Cost Disclosure
- · Maximum APR: 34.99%.
- · Fees for third-party cosigner services through Cosigns.ca are independent of Sunny Financial loan terms.
- · These fees are separate from loan interest and may affect the effective Annual Percentage Rate (APR).
We encourage all borrowers to carefully review their agreement and understand the total cost of borrowing before signing.
Borrow up to $1,500.
Approved today.
Quick income check, no hidden fees, full offer shown before you sign. No pressure.