4.35 percent. According to official website of Rizhao Bank, the sunshine loan interest rate of Rizhao Bank is 4.35%. Sunshine loan is a credit loan product launched by Rizhao Bank, which is mainly aimed at individual consumers, and the amount is within 1 000 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.