Hart, 29, lost his place as Manchester City's first choice 'keeper at the start of the season with new boss Pep Guardiola preferring Willy Caballero.
The arrival of Claudio Bravo from Barcelona last week makes the England international third choice at the Etihad.
Sunderland - who have lost injured first-choice goalkeeper Vito Mannone for three months - were prepared to pay a large slice of his wages but Manchester City have agreed to Hart's preferred option.
A statement on the City website read: "A popular, well-liked figure in the dressing room and a fans' favourite thanks to his articulate, straight talking candour in interviews, Hart now joins Turin-based Serie A outfit, Torino for the remainder of the current campaign."
"From everyone at the club, good luck and thank you, Joe!"
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