Sunshine Loans offers fast, online personal loans including installment loans, cash advances, emergency loans, and short-term loans up to $2,000. Their process is fully online, usually taking less than 5 minutes, and funds often arrive the same day if approved early enough. They charge high APRs typical for short-term borrowing and have fees like a nonsufficient funds fee and late fees if payments are missed. They do not have subscription services, but customers get billed for loan repayments which include the principal, high-interest finance charges, and any applicable fees.
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Cancellation of a subscription or membership with Sunshine Loans requires contacting customer support via phone or email, which is straightforward but not instantaneous. The process is somewhat simplified by clear contact information being available but lacks an automated online cancellation feature, making it moderately easy but not the easiest.
Estimated Time
On average, it takes 10 minutes 00 10 minutes to cancel a Sunshine Loans subscription.
How to Cancel Sunshine Loans: Step by Step
If you purchased through SunshineLoans.com:
- Visit the Sunshine Loans website at sunshineloans.com.
- Click on the "Contact Us" link at the bottom of the page.
- Choose your preferred method of contact:
- Email: Send an email to support@sunshineloans.com for assistance.
- Phone: Call their support line at (800) 504-9776 during business hours (Monday to Friday, 8am – 7pm CT).
- Provide your account information and request to cancel your subscription.
- Follow any additional instructions provided by the customer service representative to complete the cancellation process.
If you need assistance, here's how you can get in touch with Sunshine Loans's support team.
Tips and Tricks for Getting a Sunshine Loans Refund
- Firmly state you are revoking all ACH payment authorizations linked to your checking, savings, and debit card accounts associated with Sunshine Loans.
- Request written/email confirmation of the revocation from Sunshine Loans to have proof of your cancellation request.
- Use customer service chat lines or phone calls to communicate; repetition can help—reiterate that you refuse alternative payment options or dates.
- Provide your bank with the revocation confirmation and ask them to block any unauthorized charges thereafter.
- Keep detailed records of all communications including dates, names, and content of conversations or chat logs.
- Be consistent and assertive in your communications, do not waver or accept partial solutions.
- Consider timing your requests when the company’s customer service is less busy (early in the day or midweek) for better support attention.
- If applicable, consult with a lawyer, especially if you suspect unenforceable debt or predatory lending practices.
- Escalate the matter if needed by requesting to speak with supervisors or managers if frontline agents are unhelpful.
- Use language like “I revoke authorization to debit my accounts” and “I require written confirmation of cancellation” to sound formal and definitive.
Why Do People Request Refunds from Sunshine Loans
- Difficulty with repayment plans: Customers struggle to obtain extended payment arrangements and face loans structured primarily for lump-sum repayment.
- Feeling overcharged: Borrowers report paying significantly more than the original loan amount and seek loan closure or forgiveness, which the company often refuses.
- Forced into unfavorable loans: Customers experience being pushed into new loans or terms without their consent.
- Payment processing problems: Issues such as payoff checks being sent but balances re-added, leading to collections despite payment attempts.
- Poor customer service and communication: Complaints about how the company handles payment status updates, collections, and loan eligibility after returned payments.
- Financial hardship: Some customers want to cancel due to inability to afford the loan or dissatisfaction with loan conditions.
- Automatic declines and eligibility issues: Loans sometimes declined without clear reasons even from long-term on-time paying customers.
- Complaint about errors and refund delays: Customers report errors in transactions and delays or refusal in refunding money.
Sunshine Loans Refund Script
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Dear Sunshine Loans, Support,
I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience.
Thank you for your attention to this matter. I look forward to your prompt response.
Best regards,
Sunshine Loans Refund Policy
Sunshine Loans does not appear to have a traditional membership or subscription model, so there is no specific membership or subscription cancellation policy. Regarding bill or loan cancellation, borrowers can pay off their loans early without any penalty fees and may even qualify for a discounted payoff amount. This indicates flexibility in loan repayment without extra charges for early repayment.
The Easiest Way to Get a Sunshine Loans Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Sunshine Loans—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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