Same Day Loans With Direct Lender

  • Loans from £100 – £5,000
  • Free no obligation online quote
  • Money sent the same day
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Get a same day loan today with Sunny Loans UK
"Thousands of happy customers find a loan with us everyday"
"Money sent the same day"
"Free no Obligation online quote"
Warning: Late repayment of payday loans can cause you serious money problems. For help, go to
We are a credit broker and not a lender.
Sunny loans will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan. For more info please click here
Good and Bad Credit Accepted*
Same days loans

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Sunny loans specialise in same day loans

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Same day loans Direct Lender

Are we a direct lender?

We are not a direct lender; we are a broker. However, we work with FCA-approved lenders which our software panels search through when you apply for a loan and will match you to the best deal offered based on your application.

What’s the difference between a Direct Lender and a Broker?

A Direct Lender is a company which makes the loan directly between you and themselves, there’s no middleman which is considered a broke. A broker doesn’t give you the loan, they search through multiple lenders to find an agreement between you and a lender.

This can help you save time, when you search through a broker, they’ll re-direct you to a lender which has approved your application. Whereas, applying through a direct lender in the event your application is declined, you’ll have to find another company and re-submit the whole application form again.

For more information regarding lenders and brokers, you can read this article from Investopedia

Advantages and disadvantages of a Direct Lender

  • Direct Lenders own the funds they are borrowing to the customer.
  • They can be quicker to work with depending on your personal application.
  • Your information will stay with direct lender instead of being scanned through a panel of lenders.
  • On some occasions, approval may be easier with a direct lender.

Advantages and disadvantages of a Broker

  • A broker can save you some legwork saving a lot of time searching for approval by a lender themselves, instead of you needing to do so.
  • A broker may have better access, knowing the industry more which in result can help you find an agreement with a company you wouldn’t have thought of applying through.
  • A broker might be able to manage your fees.

Are we a Same day payday loans direct lender company?

We offer same day payday loans to our customers, ranging from £100-£5000. Although we are not a direct lender, we use award-winning software which will send your application through a large panel of lenders within our database matching you up to the best available deal we have found.

Where to get a same day loans UK direct lender?

We are a United Kingdom based company offering same-day loans. We work directly with lenders to help you find the best possible deal you can get based on multiple variables such as your credit score, your financial situation including income and outgoings per month as well as how much you’re looking to take-out and the duration of your loan.

I need a same day pay out loan direct lender?

At Sunny Loans we offer same day pay out loans. * Our application form is straightforward and shouldn’t take you longer than a couple of minutes. Once completed we’ll use your application to search through a large panel of lenders and automatically re-direct you to lenders which have pre-approved your application.

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Same Day Loans for bad credit

Same Day Loans for benefits

Why Choose Sunny Loans UK

  • You could Borrow

  • What is the loan repayment term?

  • How loan does it take to get funds?

  • Do you charge Fees?

  • What if i have poor credit history?

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  • £100 to £5,000

  • 3 – 36 months

  • Same Day Loans

  • We charge No fees

  • All credit histories welcome


  • Instant Decision

  • 100% Online

  • High Acceptance Rate

  • Safe and Secure

  • No Obligation