4.35%. According to official website of Rizhao Bank, the interest rate of Sunshine Loan of Rizhao Bank is 4.35%. Sunshine loan is a credit loan product launched by Rizhao Bank, mainly aimed at individual consumers, with a quota of less than 1, yuan. The loan interest rate will vary according to the lender's credit status, loan amount, loan term and other factors. Please consult the staff of Rizhao Bank for specific interest rates and fees.