Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Thinking about a Sunny loan?  Wondering how Satsuma compares? The fact you’re here probably means you are. We both start with the letter S, that’s true. But is that where similarity ends?


Sunny versus Satsuma

Of course you’re going to compare costs when you are shopping around for a loan.  Nobody likes to pay more than they need to for anything. 

Here’s how Satsuma and Sunny loans compare.  We'll use an example from the home page of www.sunny.co.uk and assume you want to borrow £200 over a period of six months**.





Monthly Repayment 



Weekly Repayment

Not available 


Total Repaid



As you can see a Satsuma loan is cheaper than a Sunny loan. 

Check before your apply

Both Satsuma and Sunny offer pre-application eligibility checkers. By checking before you apply, you can find out if you’ll be accepted for a Satsuma loan without affecting your credit rating*. 

How it works

We check your info

It's not a full application so we only need a few details

Protect your credit score

No matter the result, it won't affect your credit score unless you choose to apply

Give you your result

You'll find out in 60 seconds. We'll need to check your details if you choose to apply*

Choose your loan


Need a bit more time?

Life has a habit of changing. After you’ve applied for a loan it’s very possible that you decide you don’t need the money you’ve applied for or you could be worried you’ve overstretched yourself.  That's fine, it happens. 

That’s why we give you a full 14 days in to change your mind.  And we won't charge you any fees if you decide to cancel your loan.  Sunny gives customers five days to cancel before you’re tied into the loan.

We also give you a bit more time before you have to make your first payment.   After paying out your cash Sunny Loans ask for your first payment within 14 days.  But with Satsuma your first payment date is 30 days after we pay the loan to you.  This gives you more time to get organised to make your first payment and, it gives you more time to change your mind, if you need to.

Flexible loans to suit you

As a new customer you can apply to borrow up to £1,000 for between three and twelve months.  Our easy to use calculator shows you how much you could expect to pay back. 

And another difference, Satsuma, unlike Sunny Loans, also give you the choice of weekly rather than just monthly payments, giving you the chance to choose what’s right for you.

Can I apply for a Satsuma loan?

Yes you can!  And we’ll do all we can to help you through your application.  Don't forget you can use SmartCheck to discover if we’re likely to approve your loan even before you apply*.  

*Satsuma Loans are subject to successful completion of affordability and identity checks. Satsuma Loans are only available to UK residents who are at least 18 years old and have a valid UK bank account and debit card.

**Information Correct as of April 2019

Representative example: £480 loan repayable over 9 months. 9 monthly repayments of £106.56. Rate of interest 133.1% p.a. fixed. Representative 535% APR. Total amount payable is £959.04