Swift Money is a UK-based credit broker committed to placing customers at the centre of everything we do. We provide a clear, efficient and transparent service for individuals seeking short-term financial solutions.
We do not act as a lender, instead, we operate as an independent broker, carefully selecting and working with a panel of FCA-authorised lenders to connect customers with appropriate short-term funding options.
Our role is to match your circumstances with lenders most likely to consider your application, reducing the need to apply to multiple firms individually and presenting you with options suited to your needs.
Three commitments that shape every decision we make, from the lenders we partner with to how we present information to customers.
We prioritise the needs and circumstances of each customer. Every aspect of our service is designed to support informed decision-making rather than to drive applications. We focus on matching customers with options that align with their individual requirements.
We maintain full transparency in all communications and processes. Customers receive clear, plain-language information about loan amounts, terms, costs and repayment obligations before any commitment is made. There are no hidden fees associated with using our broker service.
Compliance with regulatory standards is fundamental to our operations. Swift Money is authorised and regulated by the Financial Conduct Authority (Firm Reference 738569). We work exclusively with lenders who are fully FCA-authorised and who apply robust affordability assessments.
Following our core principles, we facilitate access to short-term loans ranging from £100 to £5,000, subject to lender criteria and customer eligibility. Our panel includes only lenders authorised by the Financial Conduct Authority, and all short-term credit caps, 0.8% daily interest, £15 default fee and 100% total cost, are set by the FCA's high-cost short-term credit rules.
Our efficient online platform returns eligibility decisions in under a minute via a soft credit search, which leaves no footprint on your credit file. Where an offer is accepted and approved, funds are typically sent via Faster Payments and clear within an hour, subject to your bank.
You can verify our regulatory status directly on the FCA Financial Services Register under firm reference 738569.
We view responsible borrowing as a shared responsibility. Here's what we commit to and what we ask of you in return.
Full regulatory information about Swift Money Limited, the registered entity behind this service.
A soft search along with no obligation. You're always in control.
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