Swift Money offers cash loans for UK residents seeking quick financial solutions. Borrow amounts range from £50 to £3,500, making it suitable for emergencies or short-term needs. The representative APR is 91%, with loan terms and offers customized based on your circumstances. Applications involve a soft credit check, and there are no hidden fees. Most funds are sent on the same day, and approval rates are above 90%.

How to Apply: Step by Step

1. Choose the loan amount that fits your needs.
2. Complete the online application form with your personal and financial details.
3. Review and accept the terms and conditions.
4. Get an instant decision through a soft credit check.
5. Once approved, receive the money straight into your bank account—often on the same day.

Advantages

Swift Money’s application process is completely online and hassle-free. Borrowers enjoy high approval rates, making it attractive even if you have a less-than-perfect credit history.

Funds are often available within minutes of approval, so urgent needs can be dealt with right away. There are no upfront fees or charges when applying.

Potential Drawbacks

The interest rates are higher than standard bank loans, reflected by the representative 91% APR. For longer borrowed periods, costs can increase significantly.

Cash loans must be repaid in full, plus interest, on the agreed date—missing payments may lead to further fees or may impact your credit standing.

Our Verdict

Swift Money delivers a fast and transparent solution for those who need quick cash. If you require a small loan and are confident about repayment, this offer is one of the more accessible options in the UK. However, carefully consider your ability to repay before applying, and seek free financial advice if struggling with debts.