Sunlight Financial LLC
289 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Sunlight Financial LLC complaint mix by product
- Payday loan, 108 38.3% – 1% relief
- Payday loan, 61 21.6% – 2% relief
- Debt collection 47 16.7% – 0% relief
- Credit reporting 36 12.8% – 0% relief
- Mortgage 18 6.4% – 0% relief
- Credit reporting, 8 2.8% – 0% relief
- Money transfer, 4 1.4% – 0% relief
How Sunlight Financial LLC's 289 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 108 |
| Payday loan, title loan, or personal loan | 61 |
| Debt collection | 47 |
| Credit reporting or other personal consumer reports | 36 |
| Mortgage | 18 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Money transfer, virtual currency, or money service | 4 |
| Checking or savings account | 4 |
| Debt or credit management | 2 |
| Credit card | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 45 |
| TX | 36 |
| FL | 30 |
| PA | 18 |
| NC | 17 |
| VA | 17 |
| MI | 11 |
| NV | 9 |
| AZ | 8 |
| NY | 8 |
| NJ | 7 |
| IN | 7 |
| GA | 7 |
| UT | 6 |
| WI | 6 |
| IA | 6 |
| OH | 6 |
| SC | 5 |
| MS | 5 |
| IL | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 43 |
| Problem with additional add-on products or services | 38 |
| Incorrect information on your report | 23 |
| Getting the loan | 23 |
| Problem when making payments | 22 |
| Struggling to pay your loan | 18 |
| Attempts to collect debt not owed | 16 |
| Problem with a company's investigation into an existing problem | 12 |
| Problem with the payoff process at the end of the loan | 11 |
| Written notification about debt | 11 |
| False statements or representation | 10 |
| Took or threatened to take negative or legal action | 9 |
| Improper use of your report | 9 |
| Trouble during payment process | 7 |
| Applying for a mortgage or refinancing an existing mortgage | 5 |
| Fraud or scam | 4 |
| Closing on a mortgage | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Problem with a lender or other company charging your account | 2 |
| Managing an account | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 5 | 100% |
| 2021 | 9 | 100% |
| 2022 | 38 | 100% |
| 2023 | 47 | 97.9% |
| 2024 | 54 | 85.2% |
| 2025 | 73 | 95.9% |
| 2026 | 63 | 55.6% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Sunlight Financial LLC
Sunlight Financial LLC's 289 logged complaints stay concentrated: only 36 states show a filing on record. 52.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2020 through 2026-06-19.
Sunlight Financial LLC answers 86.2% of complaints inside the CFPB's tracked window and closes 99% with a written explanation. 0.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Sunlight Financial LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Sunlight Financial LLC have?
289, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Sunlight Financial LLC respond to complaints on time?
86.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Sunlight Financial LLC?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.