Why Choose Swift Money

Borrow from £100 to £5000

Borrow from £100 to £5000

Instant Online Decision

Instant Online Decision

Instant Online Decision

Soft Credit Search (no impact on your credit)

Instant Online Decision

1 Hour Funding Available

100% UK Only Service

UK Only Service

FCA Regulated

FCA Authorised & Regulated
(738569)

Instant Decision
Payday Loans

How much would you like to borrow?


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Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable).

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

Swift Money is a broker, not a lender, and do not make credit decisions. We may receive a commission from the lender.

Swift Money Payday Loans



At Swift Money, we are an independent credit broker dedicated to making short-term borrowing straightforward, transparent, and accessible for people across the UK.

We do not lend money ourselves. Instead, we connect you with a carefully selected panel of FCA-authorised lenders so you can compare options quickly and increase your chances of finding a suitable loan.

Fast and Convenient - Complete our short online application in minutes and receive an eligibility decision almost instantly in most cases.

100% Free Service - Our service is completely free of charge with zero hidden fees. We receive a commission from the lender only if a loan is successfully arranged. No fees/costs are passed onto yourself.

Wider Choice of Lenders - Your application is shown to multiple trusted partners, helping more people (including those with less-than-perfect credit) find a lender that may be able to help.

Secure and Fully Regulated - We are authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 738569). Your personal information is protected with bank-level security.

Responsible Lending First - We and our partner lenders will always assess affordability and suitability based on your individual circumstances.

What We Offer



Through our network you can explore short-term loans from £100 to £5,000 (subject to lender criteria and affordability assessment).

These loans are designed to help with unexpected or temporary expenses and are typically repaid over a period of 1 month up to 36 months. Many lenders in our panel consider applications from people with adverse credit histories, provided basic eligibility criteria are met and the loan is affordable.

Important: Short-term loans are not a long-term financial solution. They should only be used for genuine needs and only if you can repay on time.

Understanding the Costs



All high-cost short-term credit (HCSTC) in the UK is strictly regulated by the Financial Conduct Authority. The maximum interest is capped at 0.8% per day, and you will never repay more than double the amount borrowed. The maximum chargeable default fee is also set at £15.
Further details regarding HCSTC regulations can be found on the FCA webiste.

Loan Amount Example Term Maximum Costs Default Fee
£100 30 days Up to £24 interest & fees
Total repay: £124 		£15
£300 30 days Up to £72 interest & fees
Total repay: £372 		£15
£500 30 days Up to £120 interest & fees
Total repay: £620 		£15
£1,000 6 months Capped at 0.8% per day
Total repay: £2,000 		£15

These are the legal maximum costs under FCA rules. Actual offers are usually lower and will be clearly displayed before you proceed.
You are never under any obligation to accept any loan offer.

Our Commitment to Responsible Lending and Transparency




  • ✓ We only work with lenders who are fully authorised and regulated by the Financial Conduct Authority.
  • ✓ Every lender we partner with must carry out a thorough affordability and suitability assessment.
  • ✓ We clearly explain all costs upfront. UK regulation caps the cost of high-cost short-term credit at 0.8% per day and ensures you will never pay back more than double the amount borrowed in interest and charges.
  • ✓ There are no hidden fees for using our service.

Late or missed repayments can affect your credit score and may lead to additional charges. If you experience difficulties, please contact the lender as soon as possible — they are required to work with you on a realistic solution.

For free, independent financial advice visit MoneyHelper or call the Money and Pensions Service on 0800 138 7777.

About Swift Money



Swift Money was established to make short term borrowing simpler, faster and more transparent for customers across the UK. Over the years we’ve helped over 1 million people connect with reputable lenders by removing the complexity often associated with searching for short term credit online.

As an independent credit broker, our role is to act as a bridge between customers and lenders. Rather than lending money directly, we work with a carefully selected panel of UK based lenders who specialise in short term and payday loans. This allows us to match applicants with lenders that may be more suited to their individual circumstances, saving time and reducing the need to apply to multiple providers separately.

We understand that financial emergencies can arise unexpectedly, that’s why our service is designed to be quick, accessible and easy to use, with a straightforward online application process and clear information at every stage. Our focus is on helping customers understand their options, while encouraging responsible borrowing and informed decision making.

Swift Money is authorised and regulated by the Financial Conduct Authority (FCA), meaning we operate within strict regulatory guidelines designed to protect consumers. We take data security and privacy seriously, using secure technology to protect your personal information and only sharing details with lenders when necessary and authorised to process your application.

Our approach is built on transparency. There are no hidden fees for using our service and we clearly explain how we operate and how we’re paid. Any loan offers you receive come directly from lenders, with full details of interest rates, repayment terms and total costs provided before you decide whether to proceed.

More Questions?



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

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 eligibility 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 £5000 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.

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

Complete our short & simple application form to receive an instant online decison.

step 2

Check Your Offer

Once you have your offer from the lender, you can choose to accept or decline, without any obligation.

step 3

Get Your Money

Upon approval, your funds can be paid into your account within 1 hour (bank dependant).

FCA Register



Swift Money Limited are authorized and regulated by the Financial Conduct Authority (FCA). Authorization can be verified on the FCA register located 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 1 hour 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 be clearly outlined for your consideration before entering an agreement.