Swift Money

I would like to borrow £100

Min £100 Max £1000

Over a 1 month term.

Min 1 Months Max 12 Months

Monthly Repayment: £
Total To Repay: £

Representative APR 1255.66%*

Apply Now For An Instant decision With No Obligation & 97% Approval Rates.
On average Swift Money® approve over 97.5% of all payday loan applications.

Representative Example: Borrow £250 for 3 months. Monthly Repayment: £126.88 - Total Interest: £130.65 - Total Repayment: £380.65 - Interest rate: 292.25% per annum (fixed). Representative APR: 1255.66%

Payday Loans No Credit Check

We Will Never
Charge Fees

Your Details are
100% Secure

Absolutely
No Paperwork

  • No Obligation Loan Offer
  • Flexible Monthly Repayments
  • Money Can Be Deposited Today

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

Norton Secured
We Will Never Charge Fees
60 Second Application
No Obligation Loan Offer

What Is A ‘No Credit Check Payday Loan’?

Some lenders and brokers advertise ‘no credit check loans’, which may be attractive to you if you have a poor credit history or you don’t want your credit file to be affected by taking out a payday loan. However, all regulated lenders must carry out checks to ensure that you can afford to pay back the amount you borrow plus interest. Make sure you carefully read the terms and conditions of a loan before you make an application to find out how your credit file will be used.

If a lender says that they will not run any credit checks, this is irresponsible as they can’t know if you can afford to repay the money you are borrowing. Taking out a loan like this may land you in serious financial trouble.

Here at Swift Money, we believe in giving people the help they need to stay afloat when money is tight. We do not believe in getting people into unmanageable debt. With this in mind, we carry out credit checks to find out if you are likely to be able to pay back the money you borrow before we approve your application. However, finding out if you qualify doesn’t take long. We can provide instant payday loan decisions through our quick online application process.

Why do people look for ‘no credit check payday loans’?

People may search for ‘no credit check payday loans’ if they have a bad credit history that may prevent them from being approved for a loan. They may also decide to look into this borrowing option if they have no credit history or they need money in a hurry and think that the credit check process will hold up their application.

What is a credit rating?

A credit rating is an assessment of the credit risk of a prospective debtor. Based on your previous borrowing record, payday lenders will use it to predict your ability to repay a debt. Your rating is important as it can affect whether or not you qualify for a mortgage, credit card or loan. For a fee of £2, you can check your credit score with a credit reference agency. Some agencies even offer free trials.

Can I get a loan with a bad credit rating?

A bad credit score does not automatically mean that you will not qualify for a payday loan. Our lenders take a number of factors into account before deciding if you can afford to repay your debts.

How to improve your credit score

Whether you have no history of borrowing or you’ve made serious financial mistakes in the past, you can always improve your credit score. In the short term, you should not apply for credit until your credit score has improved. You should also ensure that your details are on the electoral register as this can help you to get credit in future. It’s also a good idea to cancel any unused credit cards you have.

In the longer term, make sure you pay off any debts you have on time and early if possible to show lenders that you can manage your money responsibly and repay debts without hassle. You should also avoid credit repair companies that claim to be able to fix your credit score for you for a fee. These companies often just do what you can do yourself and negotiate with companies that you are indebted to. Others act unscrupulously and may try to persuade you to lie to credit reference agencies or may claim to be able to do things that are in fact illegal.

Latest Posts From The Blog

TESLA Shares Soar as Long-term Critic Citron Research Changes Tune
November 06, 2018
Tesla shares rocketed on 23rd October after short-seller, and long-term critic Citron Research changed its opinion on the electric auto company, an opinion that had been held for almost two years. Teslas share has been rising ever since. In a research note released last week by Andrew Left, Head of Citron, the long- time short-seller of Teslas shares changed his...
Whats there for Millennials in the Budget? Expectations vs. Reality.
November 03, 2018
As young workers face fears such as car insurance hikes and property ownership difficulties, millennials can only wonder what the 2018 budget holds for them. Chancellor Phillip Hammond has already made countless spending commitments in the past such as pledges to end austerity in general, so there appears to be little room to do something significant for the...
Philip Hammond Launches Assault on Payday Lenders and Loan Sharks
October 31, 2018
Philip Hammond has his sight on payday lenders and loan sharks. The UK government has plans to launch a no-interest loan scheme for low-income individuals in Britain. Hammond is expected to tackle the debt problem by establishing an alternative for the 3 million + individuals who rely on high-cost credit companies like the now-defunct Wonga. Before the budget...
Amazon Increases Minimum Wage for US and UK Workers
October 27, 2018
Amazon has finally succumbed to political pressure and increased the minimum wage for US workers to $15 per hour and 9.50 per hour for UK workers. There has been mounting political criticism coupled with public pressure for the giant online retailer to pass on some of its spoils to its staff. In a statement made by Amazon C.E.O., Jeff Bezos on 2nd October 2018,...


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.

Frequently Asked Questions