Short Term Payday Loans That Make Sense

Instant Quote

Instant quote with a soft credit check and no fees.

Same Day Deposits

Small loans are sent the same day.

Hundreds of applications per day

We have an average approval rate of over 90%

Instant Decision
Payday Loans

How much would you like to borrow?
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201 customers rated us 4.6/5: Reviews

Warning: Late repayment can cause you serious money problems. For help, please visit: https://www.moneyhelper.org.uk
Please note: Swift Money® are not a lender and offer a credit matching service.

About Gemini®

Instant Payday Loans Of Up To £3500 - No fees

Swift Money® are able to provide very high acceptance rates, whilst also providing one of the quickest and most effiecient loan processing services available.
Upon approval from one of our lenders you can have the loan amount deposited into your bank account in as little as 10 minutes.
Our efficiency is achieved largely due to our one page loan application, which does not require any extensive information or paperwork. This shortens the processing time immensely. As the process is also completed completely online, you can start to get an idea of why we are able to arrange your loan so efficiently.

Swift Money® Treat Their Customers Fairly


Please note: Be wary of applying for payday loans no credit check as you will have to undergo a credit check to obtain credit.

  • Payday loans should not be used as a long term financial solution
  • Late payments will incur fees and may affect your credit
  • Only apply if you are sure that you are able to repay on time
  • Payday loans should not be used to manage existing debt

How it Works

We know that you may need access to funds in a hurry and that’s why we have designed our website to be as fast and simple as possible.
Please see a brief ouline of the process below:

Step 1

Apply Online

Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.

step 2

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash

step 3

Get Your Money

Once accepted, your funds can often be paid into your account in as little as 10 minutes.

More Questions?

Below we have displayed our most popular frequently asked questions. If you require any further information please feel free to Contact Us.

The whole application process from start to finish can take as little as 60 seconds, providing that you have your more obscure details to hand, e.g. account number and sort code. This will help to speed up the application process.

You may qualify to use our service if you are a UK resident with a regular income, aged 18 or over and have a bank account with a valid debit card.

Our short term loans range from a minimum of £100 to a maximum of £1000

The short answer is yes. The majority of our lenders will base their decision on the credit history of the applicant but also take into account their present financial status. Most lenders reach their decision on the basis of whether you can afford to pay the loan back within the necessary time frame. This is completely dependent on the details provided during the application process and of course a credit check.

Once your loan has been approved, the funds can be deposited into your account in as little as 10 minutes (terms apply), although the process can take up to 3 business days. This is completely dependent on your bank.

The funds will be deposited directly into your back account. To ensure that there are no delays, please check to ensure that your details are correct before submitting your application.



FCA Register

Swift Money Limited are authorized and regulated by the Financial Conduct Authority (FCA).
Authorization can be verified on the FCA register at: https://register.fca.org.uk/ - FCA Firm reference Number: 738569

Free Financial Advice

If you are struggling with your finances and would like to speak to someone, you can contact any of the companies below, completely free of any charges:

MoneyHelper.org.uk
Nationaldebtline.org - tel: (0800 138 1111). Free, confidential debt advice service run by the Money Advice Trust.
Stepchange.org

Repayment & Collections

Collections Process: If at any point during the term of your loan you feel that you will have difficulty in repaying what you owe, you must contact the payday lender immediately. You will be able to discuss repayment options and avoid missing your repayment date completely.
Please be aware that this could incur further charges or interest as a result. Please also note that interest rates are capped at 0.8% per day and charges are also capped to a maximum of £15.
If you fail to notify the lender of your difficulties and miss your repayment date, your details could be forwarded onto debt recovery agencies to recover the debt. This action is not taken lightly and is always a last resort.

Implications Of Non Payment: Again, if you are struggling, or feel that you may struggle to meet your repayment date, you need to contact the lender immediately. If you do not do this and you fail to meet the the agreed repayment date, this could adversely effect your credit score and will harm your chances of obtaining credit in the future.
If you do miss your repayment date interest and charges may also be applied. In this instance lenders will always try to contact you via telephone or letter in order to recover the funds or to arrange an alternative repayment solution.

Late Payment: Where you feel that you may have any difficulty in repaying your loan on the pre-arranged date, you will need to contact your lender immediately. You will be able to rearrange your repayment date to a more suitable time (this may result in a small charge being added on to the total amount due). The late payment fee could vary from £1 to £15, completely dependent upon the delay and the lender.

*Although we can provide an Instant Decision, on occasion payday loan decisions may take up to 2 minutes.
**Funds may take longer than 10 minutes to arrive depending on which lender approves your application and if your bank supports Faster Payments.
***Although Swift Money® never charge any fees, lenders we work with may charge fees. Any fees charged by lenders will clearly be outlined for your consideration before entering an agreement.

Representitive Example: Borrow £250 for 30 days. Interest: £60 - Interest rate: 292.25% per annum (fixed). Representative APR: 815.74% (variable) - Total amount payable: £310