£100-£5,000 Loans, Quick Decision

Money in your bank account in 1 hour *

  • Any credit history
  • Real-time decision
  • Cash paid in 1 hour
Up to 
£
Up to £ Up to £
Get your quote
No obligation, 100% secure

A loan of £1000 over 18 months will cost you £87.22 for 17 months and a final payment of £87.70 at a representative 79.5% APR. Total repayable: £1570.44 including £570.44 interest at 60.0% p.a. (fixed). Representative 79.5% APR.

* Any application, approval, rate, term, credit amount or payment time is subject to lender checks, affordability, status and payment processing times. Approval and funding are not guaranteed.

Find loans from multiple UK lenders

Checking won’t harm your credit score. Warwick Financial Services T/A SwiftLoan is a credit broker not a lender

Simply loans - Same Day Loans Approval

No hidden fees

We never charge you to use our service, and any lender fees are clearly shown before you proceed. We may receive commission from the lenders or brokers. What you see is what you pay.

Online Decision

The application is processed in real time, providing an online decision in minutes. No queues, no callbacks - just a response when you need it.

Instant Loan Offer

We aim to connect you with multiple lenders in just a couple of minutes. Most loans are processed and transferred the same day.

Risk-Free Eligibility Checks

Our soft search technology lets you check your loan options without affecting your credit score.

More questions? We've got you covered

Who can apply for a payday loan?

Payday loans are typically available to anyone who meets basic requirements, such as being over 18, having a stable income, and holding a UK bank account. Eligibility criteria may vary between lenders.

When might funds be received after lender approval?

Most lenders aim to transfer funds shortly after approval, often within minutes. However, the exact timing may depend on your bank's processing times. Funds may be sent the same day depending on lender checks and bank processing times.

How do soft search eligibility checks work?

Your credit score is not affected when you use soft search technology to check eligibility. However, once you proceed with a full application, a credit check may be conducted, which could slightly impact your credit score. Failing to repay on time could also harm your credit history.

What happens if I can't repay my loan on time?

If you're unable to repay your loan by the agreed deadline, you may incur additional charges or fees. It's important to contact your lender immediately to discuss repayment options or potential extensions. Ignoring the issue could harm your credit score and make borrowing in the future more difficult.

How does the UK regulate payday loans to protect borrowers?

The Financial Conduct Authority (FCA) oversees payday lenders in the UK. Borrowers are safeguarded by strict rules, such as a cap on daily interest rates, a limit on default fees, and a total repayment cap, ensuring you won't pay back more than double the amount borrowed.