4.0/10
Our Score
Rating Breakdown
55 reviews
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🛡️ Our Honest Take
Let's start with the rate, because it's the one number that actually matters. Sunshine Loans charges 35% per annum. On the surface that sounds manageable. But short-term loans are almost always quoted annually while your actual loan runs for weeks, so you need to do the real maths. On a R4,000 loan over 35 days at 35% per annum, you're looking at paying back roughly R4,135 in interest alone, before any initiation fees or service fees that may apply under NCA rules. Not catastrophic, but not nothing either.
The rate itself is not the problem here. Thirty-five percent per annum is actually on the lower end for this category of lending, and that's a genuine positive. Some competitors in the short-term space charge multiples of that when you factor in all costs. So on paper, Sunshine Loans looks reasonable.
What's harder to get past is the trust score. We collected 34 customer reviews and the resulting trust score came out at 2.1 out of 10. That's low. Really low. Customer feedback at that level tends to point to issues with communication, unexpected fees, or poor service when things go wrong. We can't tell you exactly what went wrong in each case, but a pattern that consistent across 34 reviews is a signal worth taking seriously.
So is Sunshine Loans worth applying to? If you've already checked the higher-ranked lenders on our platform and come up empty, and you need a small amount quickly, then it's not an outright no. The loan range of R500 to R4,000 covers genuine short-term gaps, and the rate isn't predatory. But going in with low expectations around customer service seems wise based on what we've seen.
Our honest verdict: there are 16 better-rated lenders ahead of Sunshine Loans on our platform. Start there.
Latest Reviews (showing 40 of 55)
****mer
I have accepted a debi check with no payment yet. i have email and tried to call them nobody responds to email and the number do not work.
STRUGEL TO GET MONEY OUT OF THEM
I DID A LOAN ON THE 14/02/2026 I GOT A NOTIFACION FROM THEM THAT HAS A DEB ORDER ON MY NAME BUT DID NOT GET MY MONEY ? AND NO EMAIL NO UPDATE NOTHING
Worst mistake
Poor service and no customer advisor to assist with queries
Poor service an delay of payment
I made an application with sunshine loans on Saturday the 7th of February 2026 today is the 9th February 2026 and the payment is not yet recieved, I approved a debit check an email notifying that I am aproved. I have sent them multiple emails none has been responded to
Sunshineloans is a ****, they will charge you for loans that have never been paid out
Sunshineloans is a ****, I have app**** for a loan and received and agreement which was signed but no funds have been paid into my account. I have tried calling their contact number which is invalid, no response to my email and I have already agreed to the debicheck mandate on the account. There is no way to cancel the debicheck as it has a no dispute on the debit meaning that customers will never get their money back. They are uncontactable so you can expect that this will never be resolved and you can say goodbye to your hard earned money. Its not too late for you, hope that you can learn from my experience and this information will help to prevent you from also being ****med. Please stay away from this **** loan company.
Bad service
Not happy with their service I took a loan on the 27/07/2024 and settled it on the 27/08/2024 sent through my proof of payment immediately. However they came to my account on the 23/01/2026 a year and 5 months later to debit my account. Does that make sense that your system decides to debit my account now. Despite my politeness, calling them numerous times and every agent keeps on saying they are escalating my query to a manager. Can someone take ownership for the bad service you are giving Sunshine Loans and resolve my query. I want my money back.
Horrible and unprofessional service.
I settled my payday loan early 19/01/26 and sent through my proof of payment. However they still debited my account. I sent numerous emails with no response. The phone number on their website doesn't work. I requested my refund via email and they don't respond. Don't know how I'm going to get my money back.
SUNSHINE LOANS BAD SERVICE
I HAVE TRIED FOR THE LAST 3 DAYS FOR THEM TO SAID THERE BANKING DETAILS SO I CAN RETURN THERE MONEY BECAUSE THEY SEND ME A INCORRECT MANDATE
BAD SERVICE
Poor service they don't reply VERY BAD SERVICE NOT RECOMMENDED
Never again with short term loans
I took a short term loan with Sunshine loans and signed a debicheck manditate for a deduction of the money I took, fast forward pay day came and they overcharged me.. been waiting for a refund since November 26 2025 and no response from their side been sending multiple emails no response and the status on my profile is still the same no change but I was supposed to get my refund in 3 business days.
Sunshine loan is VERY BAD
Not happy at all I paid their loan on the 19th of December and even now it shows that I haven't paid I'm still active,I've send them emails and they not responding to my emails this is not good at all it's very BAD BAD BAD BAD
They are friendly he...
They are friendly helpful kind and fast with a easyt app.
bad customer service
The fact that their lines are still not working after so long and there is no alternative number is a concern. You send emails and they are not answered is annoying
Update
I paid on the 24 October 2025,when I check on my profile it states that im still active, and not paid. Can Sunshine please update my profile..being sending numerous emails but no answer
Accounts department apparently
You pay before the time then it’s “accounts department” that must fix the issue , you pay on time SAME THING! this is horrible! I feel so bad for the customer service agents why not allow an option to connect directly to this invisible accounts department that are struggling to fix the issue because it’s pathetic!
No Money recieved
Sunshine hasn't paid me the money and yet there's a debit mandate approved 😭.
Active mandate
Sunshine loans did not pay in my money and there is an active mandate on my account. Not happy at all.
Loan
I have been sending emails and today still I had no response. This is unacceptable for customer services
**********083
Why i my Loan Pament deley wht is Cash not in my Bank acount yet and it was Approved and Signed and everything 6 a clock this morning whats going on never takes so long
application in process
since in the morning after sending my document. to my portal and since then my application in process till now. thats new why i tried emailing them many times no respond
Phones not working
I'm have been using their services and received great service but their numbers is not working and they take long to respond to emails. Been requesting for a settlement letter
UNHAPPY CUSTOMER
For the last 8 months they helped me every month, but payment on 25 July'25 was different, direct debit order went of. Till today my account is in a credit with them. I can't apply for a loan cause my account hasn't been updated cause as per their accounts department the debit order didn't clear yet. Why is a direct debit order rake solong to clear..... ???
How SUNSHINE LOANS treats loyal customers
I have been using Sunshine loans since October 2023 and never missed a single payment. I have always made on time religiously. Today! they just declined me with out any answer. SO MUCH FOR TREATING YOUR LOYAL CUSTOMERS!
Its been 4 days they...
Its been 4 days they never sent the money into my account
no help from customer support
i was on a call with Maserame who is very rude and provided little to nothing help regarding my query. she didn't want my information to give me accurate response on my query, she behaved like their assistance is one size fit all. I am very disappointed that i even released the call without getting assisted.
Too long for money to be paid out
My first time applying with this company and never ever again. Yes it is a long weekend but I app**** on Thursday, today is Monday but still no loan after it was approved and everything. Wish I had read the reviews first.
Poor service,Still cant contact their landline
Their service is really bad. I have been a client for quite some time,but they take days before they can respond to emails,that's if they do. Their land line doeant work,no alternative number provided,its like we are dealing with a robot. What a frustration to sort out a simple query which is still unresolved.
Today i dealt with Precious and Violet telephonically
Today i dealt with Precious and Violet telephonically. They were both very knowledgeable and extremely friendly. And took the time to assist my every need with a solution. It was such a pleasure dealing with both of them. After the first call i was hoping to get through to Precious again BUT Violet was just as helpful.
Pathetic customer service
This is the worst service I have ever received I am having trouble uploading my bank statements online due to their system problems I have been trying to get a hold of them for 4 days and still not one response or feedback after countless emails this is very pathetic
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