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Questions & Answers


If you have any questions about the SwiftSterling.co.uk service you can at any point email us, call us or you can chat with a member of our team. Below are a selection of questions that we have been asked before that may help you now:

  • What is an instalment loan?

    An instalment loan is a short term loan that allows you to borrow money over a period of time that suits you. We offer loans from 1 month to 5 months in duration and you can choose the length that suits your needs and the repayment option that meets your financial situation.

  • How do Instalment Loans Work?

    Use our slider to decide the amount you wish to borrow and the term that suits you. You repay the loan in a number of payments that are equal in amount so that you can budget for your monthly expenditure.

  • How do I get an instalment loan?

    All you have to do to get a SwiftSterling.co.uk loan is complete our straightforward application form and find out if you meet our criteria. Depending on how much you earn you could be eligible for up to £1,500 (existing customers only).

  • What are the requirements for an instalment loan?
    To be eligible for a SwiftSterling.co.uk instalment loan, you must be:
    • Be at least 18 years old
    • Currently living in the United Kingdom
    • Regularly employed with a net income of at least £667
    • Receive your pay directly into your bank account

  • Do I need to send in any documents?

    At SwiftSterling.co.uk we try to keep things as simple as possible for our customers. We use modern, fast and industry leading online identification and credit checking tools to ensure you don’t need to provide us with any additional details. However, there are certain situations where we cannot verify your details. If this happened in your case, documents may be required in order to complete our underwriting of your loan. If we do ask you for a document, we would urge you to scan and email the document, and we are also working on ways that you can provide us access to independent validation of your bank statement.

  • How much can I borrow?

    The maximum amount SwiftSterling.co.uk loan is currently £1,500 although this is constantly being reviewed. Your approved loan amount will vary based on your monthly expenses, your net income, and other factors that we use to determine eligibility. It is important that you borrow what you can really afford to repay. First time borrowers are allowed to borrow up to £1000.

  • What are the SwiftSterling.co.uk rates?

    At SwiftSterling.co.uk we charge you a daily interest on the outstanding principal loan balance at a rate of 0.8% per day. We only charge you for the days you have the loan, so the amount to be repaid that we quote in your agreement is the cost if the loan is repaid on the dates you stated in the application. If you repay earlier the costs will be lower. If you have any questions about the rates or terms of your loan, we’re always happy to help you get answers. To get more information about our rates, please visit our Rates page.

  • How long does it take to receive a SwiftSterling.co.uk loan?

    Under most circumstances, once your loan request has been approved you will receive your funds within an hour. However, this is dependent on your bank, cut-off times, and holidays.

  • How do I repay my loan?

    Repaying your SwiftSterling.co.uk loan is simple. All you have to do is ensure that the funds required are available on the dates we have agreed and your account will automatically be debited for the agreed-upon repayment amount. Details regarding payments are fully explained in your credit agreement.

  • What happens if I miss a payment?

    If you miss a payment or think you are going to struggle to make a payment, we encourage you to contact our friendly payments team as soon as possible on 0800 086 9227 or by emailing payments@swiftsterling.co.uk. We can always make an arrangement to make your repayments as easy as possible for you.

  • Will my personal information be safe?

    Yes definitely! SwiftSterling.co.uk takes the protection of our customer’s personal data very seriously and we insist on using the highest levels of encryption when handling your information. We are registered with the Information Commissioners Office (Registration number Z3027708) and we take every possible precaution to ensure that we always adhere to the highest levels of security where your personal data and applications are concerned. We want our customers to have peace of mind while using the SwiftSterling.co.uk service.

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

Representative Example:

If £300.00 was borrowed for 140 days at a fixed daily rate of 0.8% (292% per annum), the total amount repayable is £528.30 (5 total payments of £105.66).
1300% APR Representative.