Asked for a loan of 500 and only got…
Asked for a loan of 500 and only got 180 and it’s making me pay back 650
About Sunshine Loans
Data updated- Website
- sunshineloans.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 104 reviews
- Replies to negative
- 75% (12/16)
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Is Sunshine Loans legit?
Sunshine Loans (sunshineloans.com) has a 4.3 out of 5 rating on OK.one, based on 104 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 75% of negative reviews; Reviews mostly discuss User experience, Customer service. Last updated 2026-08-12.
What reviewers say
AI generatedReviewers had a great experience with this company. Customers frequently mention how simple and user-friendly the application process is, allowing people to receive funds directly into their accounts very quickly when emergencies arise. Consumers truly appreciate the reliable and friendly assistance provided during difficult moments, noting that the overall process runs smoothly from start to finish. However, some customers also noted difficulties reaching support by phone, mentioning that automated menus and unresponsive staff made it hard to get help. Others encountered unexpected repayment terms or faced frustrating challenges when trying to settle their balances early due to delayed communication.
Auto-generated from all reviews of this business. For reference only.What people say
The customer service is no more than…
The customer service is no more than people looking at a screen, without the ability of thought function for their selves. I borrowed $650 for eight days. My payoff amount is 950. Based on the calculations on their website, I should’ve paid under $800. But whenever you finally do reach customer service the only thing they can say is it’s in the program. Nobody there has the mental capacity to get a calculator and do the math themselves. I completely understand how places like this operate. It’s very high interest, but whenever they try to double or triple the amount after telling you that you will not be penalized for early payoff.
Reply from Sunshine Loans2026-08-06
Thank you for sharing your feedback. We sincerely apologize for any inconvenience you experienced. We’d appreciate the opportunity to review your concern further. Please reach out to us at [email protected] so we can assist you directly.
Excellent service and super fast!
Reply from Sunshine Loans2026-08-04
We appreciate your feedback.
The process to get a loan is very easy…
The process to get a loan is very easy and funding is also fast Good company to do business with 😃
Reply from Sunshine Loans2026-08-04
Thank you for sharing your experience.
Very quick response
Reply from Sunshine Loans2026-08-04
Thank you for your feedback.
I never e-signed any documents but I…
I never e-signed any documents but I still received a loan, I only inquired about one
Reply from Sunshine Loans2026-08-04
Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and appreciate you bringing this to our attention. We’d appreciate the opportunity to review your concern further. Please reach out to us at [email protected] so we can assist you directly.
I borrowed $400 Beware!!! 14 weeks loan paid off in 4 weeks $1095 to pay it off!!!
I borrowed $400, I had 7 bi-monthly payments. After 2 payments or 1 month I called to payoff loan and was charged $743 on a $400 loan for 30 days. I told the customer support that they were charging me for the maturity of the loan, I was told that we took off $140. The contract said that early payment reduces CAP and Interest but I was charged with all but $140 of the full loan agreement. I tried to explain to the manager that I was being charged for accrued monies over the life of the loan. I was charged $1095 for $400 for 30days. But if I waited for the full term of the loan only $1237 for 14 Weeks which is $140 dollar more than early pay off.. I paid it off in 4 weeks. This has to be fraudulent or deceptive practice in lending.
Reply from Sunshine Loans2026-08-05
Thank you for sharing your feedback. We sincerely apologize for any frustration or inconvenience this situation may have caused. Our goal is always to be clear and transparent, and we appreciate you taking the time to raise your concern. We’d be glad to review your account and discuss this further so we can address your questions. Please feel free to contact us at [email protected] so we can assist you directly.
The experience was easy and I would…
The experience was easy and I would recommend this to anyone.
Reply from Sunshine Loans2026-08-03
We appreciate your time and feedback.
Fast and simple
Reply from Sunshine Loans2026-08-04
Thank you for your review.
Always a pleasure using your company
Always a pleasure using your company. Thank you for helping me.
Reply from Sunshine Loans2026-08-03
Thank you for your review.
It was easy and the process was smooth…
It was easy and the process was smooth I really appreciate Sunshine Loans
Reply from Sunshine Loans2026-08-03
We appreciate your feedback.
Thank you sunshine loans for helping…
Thank you sunshine loans for helping when I need it yall are the best the application is very easy and simple payment are great and the service is the best any body out there needs a quick loans get sunshine loans they will help you and there quick it's a pay day loans borrow and pay when you get paid thank you again sunshine loans Angela D Hinkle
Reply from Sunshine Loans2026-08-03
Thank you for sharing your experience.
Great
Fast and easy
Reply from Sunshine Loans2026-08-03
Thank you for your feedback.
Good
When I need help they are there for me
Reply from Sunshine Loans2026-08-03
We're glad we could help. Thank you for your review.
Great swift speedy loan.
Reply from Sunshine Loans2026-08-03
Thank you for your time and feedback.
Sunshine Loans is great for getting me…
Sunshine Loans is great for getting me out of a pinch when my money runs low thanks for always being there for me
Reply from Sunshine Loans2026-08-03
We appreciate your review.
Very good and very easy to apply
Reply from Sunshine Loans2026-07-30
Thank you for your feedback.
The payment of the loan was easy
The payment of the loan was easy, and the application isn't complicated. They make their decision quickly, and they keep my banking information in their records so that I don't have to give it to them every time I apply. This makes things very easy. I super appreciate it when I get the $255. This helps a whole bunch! Thank you, Sunshine Loans. I'm so grateful for that $255 loan! I needed it badly!
Reply from Sunshine Loans2026-07-31
We appreciate your time and feedback.
As a reliable customer i am not happy…
I used their website for 2 months June and July, there was no problem as both were approved. Then end of july after they deducted their money I was in need of new loan of a bit high amount of which it was rejected. Now I am trying to created new loan of low amount like previous amounts but when I click "New application" the website loads forever, I tried several times even today same thing.
Reply from Sunshine Loans2026-07-31
Thank you for taking the time to share your feedback. We’re sorry to hear about your experience and appreciate you bringing this to our attention. We’d appreciate the opportunity to review your concern further. Please reach out to us at [email protected] so we can assist you directly.
Sunshine Loans was very helpful when I…
Sunshine Loans was very helpful when I needed a small amount to hold me over til the end of the week. I received the funds in less than an hour.7
Reply from Sunshine Loans2026-07-29
We appreciate your review.
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