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

How Will Interest Rates Affect Mortgages, Savings And Property Prices?
August 18, 2018
The BOE (Bank of England) has made a decision to increase interest rates to 0.75%. This is the 2nd time in 10 years the BOE is raising rates. The 0.25 percentage increase will affect savings mortgage as well as property prices. If you care to know the exact implications, continue reading below. Personal impact The direct impact of the hike (on an individual level)...
Wonga on the Spot Again For the Wrong Reasons
August 13, 2018
Wonga is in the headlines again for the wrong reasons. Regulators and claims management firms have ganged up against the payday lender, a move which if successful could see the firm wind down. This has happened just when things seemed to get better for Wonga. It has emerged that the lenders investors had to part with a 10m rescue package dubbed capital...
Investing With No Money Down?
August 04, 2018
Youve probably heard wealthy individuals say you dont need any money to start investing. This usually sounds too good to be true, but its true to some extent. Investing is about creativity. In fact, your ideas are more valuable than money. Heres how to invest with no money down. 1. Consider a trade You can generate money for investing by trading in something...
Shocking Fact: Mortgages Can Be More Expensive Than Payday Loans
July 29, 2018
Did you know; picking the wrong mortgage deal can end up costing you twice what you borrowed? Also, you need high-level qualifications to understand mortgage contracts. Although getting a mortgage looks simple, typical mortgage contracts are more complex than most people think. The truth is; most mortgage lenders love complicating matters which leaves many...


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