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

Last Updated on 8th December 2020

Who are Swift Sterling?

Swift Sterling is a trading name of MMP Financial Limited, who are registered in Berkshire. MMP Financial Limited was formed in 2015 to bring well-known online lending brand, Swift Sterling back to the UK market.

Who are Swift Sterling?

What is the duration of a Swift Sterling loan?

Swift Sterling offer short term and instalment loans, with a duration of from one up to five months. You are encouraged to choose the length that suits your needs and the repayment option that meets your financial situation.

How much credit can you apply for?

You may apply to borrow up to £1500, although the amount that you are offered depends on Swift Sterling's assessment of your loan affordability, including your ability to comfortably manage loan repayments.

First-time borrowers are typically offered up to £750, with existing customers offered higher sums, depending on their financial situation.

What is Swift Sterling’s loan application process?

To apply for a loan from Swift Sterling simply complete the online application form. You will be asked for personal information including an address history, full name and date of birth, which allows the lender to verify your identity and access your credit file. Details on your regular income and expenditure, plus employment, are also required.

Following approval, you are taken to your personal online account. This is where you can accept the loan offer and continue to manage your loan and repayments. You should carefully read the online loan paperwork, and then complete the e-signature page if you wish to go ahead.

What are the requirements?

To apply for a loan from Swift Sterling you should:

  • Be at least 18 years of age
  • Be currently living in the United Kingdom
  • Be in regular employment with a net income of at least £667
  • Receive your pay directly into your bank account

How quickly will I receive my loan from Swift Sterling?

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 and whether it supports Faster Payments, along with cut-off times for bank transfers, and holidays.

What do Swift Sterling charge?

Daily interest is charged at a rate of 0.8% per day. The total amount of interest charged varies, depending on your loan amount and total loan term.

How much will you repay?

Representative Examples

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).

1298% APR Representative

Do Swift Sterling charge penalties?

Missed payments may be subject to a fee of up to £15 per loan. If you are in financial difficulty and worry that you are unable to make a repayment then you should contact the customer care team in advance to discuss your options.

Remember that late repayment may have a negative impact on your credit file and ability to gain credit in the future.

Can I repay my Swift Sterling loan early?

Yes, you may repay your Swift Sterling loan early. This helps reduce daily interest charges and therefore the total amount repayable on your loan. You can make repayments from within your personal online account.

Will Swift Sterling run a credit check?

As a responsible lender, regulated by the Financial Credit Authority (FCA), Swift Sterling will run a credit check as part of the application process to assist them in their loan affordability assessment.

What help and support do Swift Sterling offer?

Swift Sterling Customer Support is available Monday – Saturday 7:30 am until 11:30 pm and Sunday from 2:00 pm until 10:30 pm.

You may contact them via live chat support through the website, by calling 0800 652 0097 or 020 3781 8296, or by emailing them at customercare@swiftsterling.co.uk.

Where can you find online reviews of Swift Sterling?

Swift Sterling does not currently work with any of the main online business review platforms.

What are Swift Sterling’s FCA registration details?

MMP Financial Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 718863.

Applying with CashLady

Applying through CashLady involves just one simple application and we’ll then supply you with a selection of suitable quotes from various loan providers, including Swift Sterling.

We use our in-depth knowledge of the market, plus a portfolio of over 15 loan providers, to match you with the ideal financial solution for your needs, including all the relevant rates and prices, repayment terms and other important details that will help you to compare loan options.

Here’s a quick comparison table, highlighting some of the differences when you apply with CashLady:

Cash Lady Wageday Advance
Representative APR% 1272% 1298%
Loan Duration Up to 12 months 1 to 5 months
Repay Early Yes Yes
Panel of Lenders? Yes No
Loan Options (Number of Lenders) 15 1

How to contact Swift Sterling


0800 652 0097



Registered Address

Beechwood House,
2-10 Windsor Road,

Get my personalised quote

CashLady Representative 79.5% APR

CashLady Representative 79.5% APR

Representative Example

Amount of credit:
£1000 for 12 months
at £123.40 per month
Total amount repayable of £1,480.77
Interest: £480.77
Interest rate: 79.5% pa (fixed)
79.5% APR Representative

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


Get your personalised quote today!

How much do you want to borrow? Representative 79.5% APR

CashLady Representative 79.5% APR