Easy 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
Easy Payday Loans

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Representative APR 91%.
Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and maximum 1721% APR - your no-obligation quote and APR will be based on your personal circumstances.

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

What is an easy payday loan?

An easy payday loan is a short term loan that typically ranges between £100 and £3500, that can be repaid between 1 and 12 months.

At Swift Money®, we help to search for and arrange easy payday loans.

With one application through Swift Money®, we can use our network of UK lenders to get you a loan with the best rates. It’s a convenient way to get the cash you need from the comfort of your own home.
Allow Swift Money® to help you get through a difficult financial time by applying for a loan today.

Who Needs Easy Payday Loans?

We offer loans of amounts between £100 and £3500, and our customers come to us for all sorts of reasons and financial situations such as:

Mortgage payment help
Rent payments
Unexpected bill payments
Holiday payments
Medical expenses
Car servicing costs

Unlike many banks, we don’t ask you to prove what the loan is for, and how you’re going to be spending it.
If time isn’t on your side and you need cash in a hurry, we’ve designed our processing to be fast which means that you can get the help you need quickly for those more urgent situations.

How can you help?

Swift Money® act as a loan broker. That means that we have a large network of UK payday lenders that we rely on and that you can benefit from.
We ask you to fill out one online application form with us that we use to find you the best easy payday loans with our lenders. This can be for any amount between £50 and £1000.
Our customers return because of our fast processing times and high acceptance rate so when you really need some financial help at short notice, Swift Money® can help.

At Swift Money® We Offer:

No secrets
No hidden fees
No stress

How does it Work?

We pride ourselves on our simple, easy and transparent processes from start to finish.
Below you can see the steps behind Swift Money® and how we work from the moment you apply for an easy payday loan to when you receive your money in your bank account.

A Simple and Quick Application

Our application form is simple, quick and easy to fill out. We won’t ask you for any information that may be hard to get hold of. Go to "Apply Now" to complete our application form.

Finding Your Loan

When you have submitted your application, we will send it to our network of UK lenders to find you a loan with the best rate.You will receive an email confirming whether your application for an easy payday loan was successful. If it was, that email will direct you straight to that lender’s website to finalise the process. Please note, some of our lenders may ask you to complete their own application form before making a decision. Ultimately, the final decision is always up to the individual lender and not Swift Money® as a broker.

Receiving Your Agreement

If your application is approved by a lender, you should receive an email with your loan agreement. It’s important that you take the time to read the details of the agreement and make sure your details are correct. If you are happy and wish to go ahead with the loan, you simply need to electronically sign the application to finalise the agreement.

Receiving Your Money

Once your loan has been approved and signed, the lender provider will process the deposit the money into your nominated account on the same day. The money can be in your bank account as quick as 10 minutes if you chose a ‘Faster Payment Service’ (charges may apply), but it can take up to 3 working days as standard. This time is dependent on your bank.

What If I Have a Bad Credit Rating?

Having a bad credit score isn’t always a problem. When looking at applications for easy payday loans, most of our lenders will consider your credit rating in combination with your current financial status.

The majority of our lenders simply assess whether you could pay the money back in the required time frame so they look at your application along with your credit score.

Why Choose Swift Money®?

Swift Money® uses a large network of UK lenders to make it easier for you to get your short term loan. There’s no need to search the web for lenders when we can do it all for you.

We have processed 11 million loans and our customers return, valuing our efficient and fast turnaround times.

The Benefits Of Using Swift Money®:

Simple Online application: Complete our simple application form from the comfort of your own home.
Quick Processes: We use one short online application form and don’t need any extensive information or paperwork.
Upon approval from one of our lenders you can have the loan amount deposited into your bank account in as little as 10 minutes.
No fees: Swift Money® does not charge any fees for the processing and/or arranging of your loan, and once you are matched with a lender you will only have to pay the charges and interest that particular lender requires.
High Acceptance Rates: Our large network of lenders means you are more likely to find a loan using Swift Money®.
Money without the questions: Our customers use payday loans to repair their cars, pay their rent or medical expenses or help with unexpected bills. Swift Money won’t ask you to prove what your loan is for like some banks.
We adhere to strict data protection policies, lending laws and practices
We are FCA Authorized: For more information on our easy payday loans, read out frequently asked questions or give our Customer Support team a call on 0800 567 7444
We have helped more than 1,000,000 people in the UK get through their emergency cash needs. Apply Now with Swift Money® today and let us help you too.

* Same day deposits are not guaranteed.

FCA Register

Swift Money Ltd are verified 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 wouold like to speak to someone, you can contact any of the companies below, completely free of any charges: