* Speed & Convenience – Complete just one short form and we will try to match you with multiple reputable lenders who may approve and pay funds the same day (subject to checks and your banking policies).

* Higher Chance of Approval – Your details are shared (with your consent) with multiple trusted lenders, not just one. Giving you a much greater chance of receiving the funds you need.

* 100% Free Service – We never charge you a penny. Lenders may pay us a commission upon a successful application, but that cost will never be passed on to you.

* Regulated & Responsible – Fully authorised and regulated by the Financial Conduct Authority (Firm Reference Number 738569). We only work with lenders who follow strict FCA rules and guidelines.

* Flexible Terms – Borrow £100–£1,000 and repay over 1 to 12 months to suit your budget.

* Quick Eligibility Check - Fill in our secure online form (takes ~2 minutes). We perform a soft search – no impact on your credit score.

* We Match You with Lenders - Your details are shared with our panel of reputable UK lenders who may be able to help.

* Review Offers - If a lender is interested, they’ll carry out full affordability and identity checks and send you their offer. You can accept or decline – it’s your choice.

* Get Your Cash - If approved and you accept, funds can be in your account the same day (subject to lender processing times and your bank’s Faster Payments service).

You may be eligible if you are:

* Aged 18 or over
* A UK resident with a UK bank account and debit card
* In regular income (employment, benefits or pension)

Lenders focus on affordability first, your income, essential spending and existing commitments. A poor or limited credit history does not automatically mean you’ll be declined, but every application is assessed responsibly to protect you from borrowing you can’t afford.

All lenders that we work with are fully FCA authorised and must follow strict rules and guidelines:

* Interest capped at 0.8% per day
* Default fees capped at £15
* Total cost of the loan (interest + fees) can never exceed 100% of the amount borrowed

This means you will never pay back more than double what you borrowed. Exact costs vary by lender and your circumstances – you will always see the full repayment amount before you agree to anything.

Short term loans can be helpful when used responsibly, but they carry risks:

* If you miss a repayment, extra fees and charges may apply and it could impact your credit score.
* Borrowing when you can’t comfortably afford the repayments can make your situation worse.
* Repeated use of payday loans is not sustainable.

Always borrow only what you need and can repay on time.

Before applying, consider whether one of these could work better:

* Authorised overdraft or credit card
* Payment holiday or extension with your bill provider
* Help from family, friends or your employer
* Government grants or local authority support

Free, independent advice is always available – see the links provided towards the bottom of this page.

If you choose to explore our payday loan option, you can check your eligibility for free with Swift Money using a soft search that won’t affect your credit score.

Checking your eligibility does not guarantee approval or same day funding, but it can help you make a more informed decision.

Swift Money Limited are authorized 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

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