Sunny Loans Alternative: Borrow up to £1,000 (at 44% Less APR)

Are you in the market for a Sunny payday loan?

Being financially savvy is the best way to manage your finances. At Peachy we believe you should always search for the best alternative when looking for a loan.

Peachy offers loans with the same fast payout yet even cheaper and with more flexible repayment terms than Sunny, QuickQuid or Wonga.

While some of the larger lenders are popular, that is not to say that they are always able to offer you the bespoke service that you require.

Here at Peachy, we are able to offer you an incredible Sunny Loan alternative that should match all your requirements – without the high APR fees!

Peachy is a responsible lender with excellent customer service.

Apply now for an alternative to Sunny loans!

How does the cost of a Peachy loan compare to a Sunny payday loan?

The Sunny loans interest rate is a whopping 1,293% (APR).

Peachy loans are significantly cheaper at 720% (Representative APR), so saving our customers hundreds of pounds in repayment interest and fees.

Peachy loans have twelve possible repayment options so our customers can repay their loans on a schedule and budget that matches their circumstances. So, whether you decide to take a loan from Peachy and pay back over 30 days or 12 months, you can rest assured that the cost of borrowing will not be as expensive if you took a Sunny payday loan.

How does Peachy compare to Sunny loans?

This table and calculated fees is for inspirational purposes only

Who is Peachy?

Peachy is a financial services lender who focuses on granting short-term loans for those who need a helping hand from life’s little emergencies. When you need fast cash, you can apply for a Peachy payday loan in minutes – at anytime – using our online application form. Most customers of ours borrow between £100 to £1,000 and have the funds in their bank account within the hour.

Don’t just take our word for it. Peachy has been rated and reviewed by thousands of our customers who find that we are easy to do business with.

The differences between Sunny and Peachy

The biggest differences between Peachy and Sunny is cost, flexible repayment options and how much you can borrow.

  • Sunny loans typical APR is 1,293% whilst Peachy’s APR is as low as 720%.
  • Sunny has 6 repayment options. Sunny customers must repay their loans within 1 to 6 months, which in some instances, may make repayment difficult as each customer has different salary pay dates.
  • Sunny loans can offer customers as much as £2,500 for a loan. Peachy believe in responsible lending and do not provide loans over £1,000.

So, how does the APR affect you?

Well, here’s a great example:

A £700 loan from Sunny will cost you more than £1,204 to pay it back in full.

The same amount borrowed from Peachy is less than £972, saving you over £230!

A £700 loan with Peachy is £230 cheaper compared to Sunny loans!

Plus, with Peachy loans, you can pay back in 1 or 12 months. We understand that every customer has changing life circumstances, hence we offer far more flexibility on how our customers choose to repay their loans. This means that you, our customer, remain in control of your borrowing, and the time it takes to repay your loan.

And, as a responsible lender, Peachy will never offer a loan where we know the customer could get into serious financial difficulty, hence why we never offer more what you are able to afford. We want our customers to only borrow a payday loan where they can actually afford one.

Am I eligible for a loan with Peachy?

You must meet these requirements to be eligible for a loan from Peachy:

  • UK resident
  • 18 years or older
  • Hold a UK bank or building society account with a valid debit card
  • Have a working mobile phone & email address
  • No CCJ or CCJs in the last six years
  • Must have a regular monthly income of at least £600 (some benefits may be included)

If you meet those requirements and are in need of a short-term loan, go ahead and start your online application today!

Our application takes minutes to complete. Simply add your details and employment information. Then you submit your application online for a short-term loan and, if approved, the money will be deposited to your bank account within an hour. 

Our online application process is available 24/7 and in most cases, you will be notified if you are eligible for a loan instantly.

A trustworthy alternative to a Sunny payday loan

Peachy loans are only offered to those who can afford it and should only be considered a short-term solution. Failure to repay the loan can cause serious financial difficulty and this is not what Peachy stand for. Click here for further information on responsible lending.