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Need a Payday Loan? Apply Today.

How it Works


Making an Application

Using our simple sliders, choose the amount of loan you require and the number of repayments you wish to make. Once you have chosen the perfect loan for you, you will need to complete our online application form. We will then perform all the checks we need to determine your eligibility for the instalment loan you have chosen.

Approval Process

Once your application is received we perform a large number of checks on the data using online tools such as credit reference agencies. Using our unique algorithms we will assess your application and then offer you the loan if you meet our criteria. At this stage we may need more information in order to complete our offer to you.

Our Offer

Once you are approved for a SwiftSterling.co.uk loan, you will be taken to your personal, secure online account with us. This is where you can accept the loan offer, make additional payments, apply for a new loan and so on. At this stage we will ask you to sign your loan agreement and once we have completed any final checks the money will be on its way to your chosen bank account.

No Hassle Repayments

On the agreed day each month, which we aim to make your payday, we will collect the loan repayment from your bank account. All you need to do is ensure the money is there for us. But don’t worry, we will inform you of the date we are taking payments at least three days before. We may use both Email and SMS text message to ensure you are aware of the details.

Stay in Touch!

Once the loan is made we will remind you regularly of the repayment dates and amounts to ensure you know what we are doing in the collection of the loan. We are a very open organisation and love to hear from our customers so feel free to contact us with any questions or comments about your loan at any time.

Personal Online Account

Once we create your loan in our system you will have access to your personal online account with us. You can log in here at any time by simply entering your email address and password. You will then be able to see your current outstanding balance, make additional payments, see the payments due and due dates until the loan is repaid or apply for a new loan. You can also message us from there is you have any further enquiries.

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