How our loans work

Get a loan in 3 steps with Sunflower. We’re here every step of the way so if you have any questions or concerns, get in touch. Representative 64.5% APR.

  • Complete our
    online loan application

    Complete our loan calculator with the amount you’d like to borrow, how long you’d like to borrow for and let us know why you need a loan. After that, we’ll get to know more about you and your income and expenditure. Then submit your application and we’ll let you know if you have been provisionally approved a loan.

  • Final checks and chat

    Once you've submitted your application, we’ll do our checks and have a call with you to run through everything and make sure you’re happy to go ahead. We'll call you as soon as we can. The sooner we can chat to you, the sooner we'll be able to confirm your loan and send you the money.

  • Loan approval and
    money into your account

    Once approved and you’ve digitally signed your documentation, we’ll send the money to you in the same day, or the next day if it’s after 10pm. If you sign your documents by hand and post them to us, it will take longer.

Representative Example:

£2,000 loan repayable over 24 months. 23 monthly payments of £134.44 followed by a final payment of £134.64. Rate of interest 50.8% p.a. fixed. Representative 64.5% APR. Total amount payable is £3,226.76. Example based on the first payment being made 30 days after the loan starts.