CFPB Consumer Complaint Profile
Sunlight Financial LLC
253 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 253
- Total complaints
- Above average
- 87
- Last 12 months
- 93.3%
- Timely response
- Bottom quartile
- 33
- States affected
The verdict
253 CFPB complaints put Sunlight Financial LLC at #781 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 93.3%, the 24th percentile for the 100+ complaint peer group.
- #781
- of 3,843 companies by volume
- 93.3%
- on time (24th pctile)
- Payday loan, title l…
- most-complained product
- 33
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Sunlight Financial LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.3% Among the lowest higher than 24% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 54 in 2024 to 73 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 5 |
| 2021 | 9 |
| 2022 | 38 |
| 2023 | 47 |
| 2024 | 54 |
| 2025 | 73 |
| 2026year in progress | 27 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sunlight Financial LLC
Sunlight Financial LLC carries 253 complaints in the CFPB's database, 87 of them filed within the past 12 months. Consumers spanning 33 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Payday loan, title loan, personal loan, or advance loan," which sits at the top of the product breakdown. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Sunlight Financial LLC draw a 93.3% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.8% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Sunlight Financial LLC have?
The CFPB has logged 253 complaints against Sunlight Financial LLC to date, of which 87 came in over the last 12 months.
Does Sunlight Financial LLC respond to complaints on time?
CFPB complaints against Sunlight Financial LLC draw a 93.3% timely-response rate inside the expected window.
What product generates the most complaints for Sunlight Financial LLC?
Among all products tied to Sunlight Financial LLC, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sunlight Financial LLC?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Sunlight Financial LLC; the full issue list with counts is above.
How do I file a complaint against Sunlight Financial LLC?
You can file a complaint against Sunlight Financial LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Sunlight Financial LLC?
Sunlight Financial LLC has drawn CFPB complaints from 33 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Sunlight Financial LLC have?
The CFPB has logged 253 complaints against Sunlight Financial LLC to date, of which 87 came in over the last 12 months.
Does Sunlight Financial LLC respond to complaints on time?
CFPB complaints against Sunlight Financial LLC draw a 93.3% timely-response rate inside the expected window.
What product generates the most complaints for Sunlight Financial LLC?
Among all products tied to Sunlight Financial LLC, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Sunlight Financial LLC?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Sunlight Financial LLC; the full issue list with counts is above.
How do I file a complaint against Sunlight Financial LLC?
You can file a complaint against Sunlight Financial LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Sunlight Financial LLC?
Sunlight Financial LLC has drawn CFPB complaints from 33 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.