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Representative 64.5% APR
Who can apply for a Sunflower loan?
You can apply for a Sunflower loan if you:
What do I need to apply for a Sunflower loan?
To apply for a Sunflower loan, you’ll answer a number of questions and give us the following:
How much can I borrow and over what time period?
You could borrow between £1,000 - £4,000 for a term of 24, 36 and 48 months, subject to affordability. The exact amount you will be able to borrow, and the loan term, will all depend upon your personal circumstances.
How does applying for a loan work?
There are 3 steps when applying for a Sunflower loan:
Visit our How It Works page for more details.
What is a ‘soft’ / ‘hard’ credit search?
A ‘soft credit search’ means we can check your eligibility for credit without affecting your credit score. When you apply for a Sunflower loan, our Eligibility Checker will give you an instant decision using a soft search.
If you decide to continue with a full application, we’ll carry out a full credit check which will be recorded on your credit file. This is more commonly known as a ‘hard credit search’.
Do Sunflower loans charge fees?
At Sunflower loans we don’t charge any fees, even if you miss a payment. This means you will only ever pay back the amount you agree upfront. The total amount of interest you will pay is displayed upfront as part of the application process.
If my application is successful, how quickly will the money be received?
Once approved and you’ve digitally signed the documentation, your funds will be credited into your bank account the same day or the next day if its after 10pm. If you sign your documents by hand and post them to us, you’ll get your money 14 days from when you download it, if the Loan Agreement is returned to us on time and everything is acceptable. Your loan offer is valid for 30 days from the date you applied for the loan.
Who can I speak to if I have a question or need help?
If you need any help or want to ask a question, please get in touch. We’re a chatty bunch and love to help customers. You can contact us by phone, post or by using our website contact form.
How do I make a loan payment?
Your loan payments will be made straight from your bank account using a Continuous Payment Authority (CPA). You’ll set this up when you’re applying for your loan. We’ll agree with you upfront the amount, the date of collection and your chosen card. This will never change unless you ask for it to.
What is a Continuous Payment Authority (CPA)?
A CPA is a way of making your loan repayments by giving us permission to collect them from your bank account using your debit card. This means you don't have to lift a finger, it all happens automatically.
What happens if I can’t make or miss a payment?
If you ever find you’re struggling to make a payment, even if you haven’t yet missed a payment, please get in touch. We’re a friendly bunch and there are ways we may be able to help. We never charge fees for late or missed payments, you only pay back what we agreed upfront. However, a late or missed payment could impact your credit file and ability to get credit in the future. We’ll always do everything we can to help you. Visit our Financial Difficulties page for more useful information.
How do we use your data?
We only collect the data we need to provide you with the product or service you require and to administer your account(s) with us. In most cases this will mean that we are processing personal data such as: