Swift Money is an online credit broker that helps you find short term and payday loan options from a panel of trusted UK lenders. We don’t lend money ourselves, instead we match your application with suitable lenders who may be able to offer you credit based on your needs and circumstances.

Once you complete our simple online application form, we send your details securely to lenders who may provide an offer. If matched, you’ll be redirected to your chosen lender’s website to complete your application and receive your funds.

Through Swift Money, you can explore short term loans (often referred to as payday loans). These are typically used to cover urgent or unexpected expenses and are designed to be repaid over a short period, often until your next payday or within a few months.

To be eligible:

You must be at least 18 years old.
You must be a UK resident.
You must have a UK issued bank account and debit card.

Each lender has specific criteria and will check affordability and eligibilit before making an offer.
Please note that meeting basic criteria doesn’t guarantee approval

Yes. Many lenders on our panel consider applications from people with bad credit histories, provided you meet the lender’s minimum criteria. However, acceptance depends on your financial situation and lender requirements and offers are not guaranteed.

We use a soft credit search with lenders during the eligibility check that does not affect your credit score. However, when you progress to a full loan application with a lender, they may perform a hard credit check, which can be recorded on your credit file.

The lender’s decision speed varies, but many lenders provide instant or near instant decisions once you complete our application form. If approved, funds can often be transferred on the same day, depending on your bank’s processing times.

Loan amounts and terms vary by lender. Typically our short term loans range from £100 up to £3500 with repayment terms from weeks to multiple months. Each lender sets their own limits and terms of which you will see clearly before accepting.

Loan costs include interest and fees, and the total cost depends on the lender you choose. UK regulations cap the cost of short term credit at 0.8% per day, therefore interest and charges cannot exceed FCA limits.

Repayment terms and cost do vary from lender to lender so please always check the lender’s terms and Total Amount Repayable before agreeing to a loan.

You can still apply, but individual lenders will assess whether taking out another loan is affordable and responsible for your financial situation. Lenders may decline your application if it’s likely to cause financial strain.

If you’re having difficulty repaying, contact your lender as soon as possible. Missed or late repayments can affect your credit score and may lead to additional charges. It’s important to discuss options or repayment plans directly with the lender.

Yes, our service is completely free to use. We receive a commission from the lender when a loan is arranged through our website, but this does not increase the cost of your loan or affect your interest rate.

Short term loans can offer fast access to the funds that you need, but they are best used for emergencies or unavoidable expenses.

Things to consider:

Whether you can afford the repayments.
The cost of interest and fees.
Alternative options like savings, family support or budgeting help.
If you’re unsure about borrowing, please seek independent financial advice. We do have some links listed down below.