Instant Payday Loans Of Up To £3500 | No Fees | 97% Approved

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.

The Benefits Of Using Swift Money®

Since Swift Money® launched in 2011 we have processed over 1,000,000 loan applications.
Due to our quick and efficient service, our customers look to us whenever they are in need of a small short term loan.
We owe a lot of our success to our customers that spread our brand via word of mouth.

Payday Loans With No Restrictions

Whilst banks on occasion tend to require proof of what your loan is for, we do not.
Some common uses of Payday loans include:

Thank you for visiting Swift Money® and considering our services. If you have any queries or concerns we would love to hear from you. You can contact us via Email, Live Chat or by Phone. For full details please see our Support page.

FCA Register

Swift Money Ltd are authorized and regulated by the Financial Conduct Authority (FCA)
Authorization can be checked 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:

Moneyadviceservice.co.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.