Lender · complaint record
Sunlight Financial complaints
Filed under Sunlight Financial LLC
Consumers have filed 328 complaints about Sunlight Financial since 2020, 116 of them in the last 12 months (+68% on the year before). It answered 61.2% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is getting the loan. It is the 24th most complained-about of 272 personal & payday lenders this year.
Poor response record. How it works
- Complaints on record
- 328
- Last 12 months
- 116
- Answered on time
- 61.2%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #24 of 272
Since February 2020
+68% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Oct 24, 2026
Most complained-about personal & payday lenders
Sunlight Financial complaints by month
The busiest month was February 2026 (14 complaints). Complaints in the last 12 months are up 68% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Sunlight Financial answered last 12 months
- Closed with explanation11397.4%
- In progress32.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4561.2% on time
- Relief for customers0/400% closed with relief
- Complaint trend3/15+68% vs last year
What Sunlight Financial complaints are about
Top Sunlight Financial problems last 12 months
Where Sunlight Financial complaints come from
Most complaints: California (49), Texas (45), Florida (35), Virginia (20), Pennsylvania (20).
Sunlight Financial compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Advance America, Cash Advance CentersPayday & personal loans | 11 | 136 | F |
| 2 | CreditNinja LendingPayday & personal loans | 61 | 135 | C |
| 3 | Flexible FinancePayday & personal loans | 45 | 131 | D |
| 4 | AlcarPayday & personal loans | 10 | 116 | F |
| 5 | Sunlight FinancialPayday & personal loans | 3 | 116 | F |
| 6 | Crow Creek Sioux TribePayday & personal loans | 0 | 108 | F |
| 7 | Hanwha QCells USAPayday & personal loans | 45 | 108 | D |
| 8 | GVA HoldingsPayday & personal loans | 54 | 102 | C |
Compare side by side: Sunlight Financial vs Advance America, Cash Advance Centers · Sunlight Financial vs CreditNinja Lending · Sunlight Financial vs Flexible Finance · Sunlight Financial vs Alcar
What people say about Sunlight Financial
All experiencesNo experiences with Sunlight Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Sunlight Financial complaints
Full logQuestions about Sunlight Financial
How many complaints does Sunlight Financial have?
Sunlight Financial has 328 complaints on record since February 2020, including 116 in the last 12 months and 3 in the last 30 days. That makes it number 440 of every company by complaints this year.
Does Sunlight Financial respond to complaints?
Yes. Sunlight Financial answered 61.2% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 3/100 (grade F).
What do people complain about most with Sunlight Financial?
The most common problems are getting the loan (31), problem with additional add-on products or services (46), charged fees or interest you didn't expect (50).
Is Sunlight Financial legit?
Sunlight Financial is a real company with a public complaint record: consumers have complained about it 328 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Sunlight Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Sunlight Financial going up or down?
Up. There were 116 complaints in the last 12 months against 69 in the 12 before (+68%). See every month.
How do I file a complaint against Sunlight Financial?
Complain to Sunlight Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Sunlight Financial complaints come from?
Most come from California (49), Texas (45), Florida (35). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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