We aim to provide an excellent service in every single case - but from time to time, things might not go as planned. We take all complaints very seriously and will endeavour to resolve them quickly in every case.
If there is something that you are not happy with then let us know.
Your complaint will be acknowledged promptly in writing and we will do our best to resolve your complaint as quickly as possible.
Sometimes it may take longer to fully investigate and If a complaint is particularly complex, it may take longer to resolve. We will always try our best to respond to your complaint as quickly as possible and we’ll send you our final response no later than 8 weeks from when you first complained. If we can’t complete our investigation in this time, we’ll contact you to explain the delay and give you an indication of when to expect our response. If you’re unhappy with the progress of your complaint or not happy with our final response, at this point, you can refer it to the Financial Ombudsman Service.
The Financial Ombudsman Service will only deal with your complaint if you have given us the opportunity to put matters right, so please contact us first and we will do all we can to help you.
If you want the FOS to consider your complaint, you must send your complaint to them within 6 months of the date of our final response.
Their contact details are:
The Financial Ombudsman Service
0800 023 4 567 (free on mobile phones and landlines)
0300 1239 123 (cost no more than calls to 01 and 02 numbers)
Information regarding the service can be found on the Financial Ombudsman website:
In relation to your complaint you can also request a review from the European Online Dispute Resolution platform: http://ec.europa.eu/consumers/odr/
A personal loans are typically offered with term lengths between one and seven years, and with borrowing levels up to £25,000.
A guarantor loan involves a third party agreeing pay off the loan completely in the event that the borrower defaults. Borrow up to £10,000
Unsecured loans allow consumers to borrow money for a brief time. They can be expensive and they won't be suitable for everyone. Borrow up to £1,000
SwiftDay is not a lender. We are a licensed credit broker which means that we introduce lenders and borrowers who may wish to enter into loan agreements. We have a wide network of lenders across the UK who are prepared to consider your application.
We do not charge you a fee for our services but we may receive a commission or fee for providing your information to our panel of lenders.
All you need to do is enter your details into our intuitive form and we will scan for you our large panel of selected lenders and brokers who may be able to help.
Our application form takes less than 5 minutes and you should be able to get an decision.
There is no obligation, you can accept their offer, or you can choose to decline it. If the offer meets your needs, funds may be transferred to your bank account on the same day. Please make sure before accepting an offer that you read and agree to the terms of the offer.
SwiftDay is not a lender but is a licensed credit broker. We have a wide range of lenders available to look at your application. We will submit the information you provide to a direct lender and/or brokers providers. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email. Not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also.
Please be aware: there is no charge to you for using our service but we may receive a commission or fee for providing your information to our panel of lenders and brokers.
The loans offered through lending platform on this website have minimum repayment terms of 1 month and maximum repayment terms of 36 months and not all lending partners offer up to £10,000 loans, and not all applicants will be approved for their requested loan amounts. APR rates range from 45.3% APR to 1575% APR. The rate is subject to change and the representative APR may not be the rate you'll receive. The rate you pay depends on your circumstances and loan amount, and may differ from the Representative APR.
We always recommend repaying on time but If you are struggling, or think there is a possibility that you will not be able to meet the agreed repayments, you must contact your money lender as soon as possible to avoid adverse action. They will inform you about their collection process and about any possibility to reschedule or otherwise restructure your loan repayments. SwiftDay does not engage in collection practices as lenders collect policies vary.
Additional interest and/or charges may be applied to your account if your payment is not received on the agreed due date.
Your lender may want to re-assess your financial situation to understand if your late payment was a one off or likely to happen again. Lenders might look to alter your payment schedule if this could help prevent late payments from occurring again in the future. Lenders may also report late payments to Credit Reference Agencies, this could have a negative impact on your credit score and affect your ability to obtain credit again in the future.
Additional interest and/or charges may be applied to your account if a payment is missed entirely.
Before you borrow money make sure you fully understand the interest rates, fees and the terms laid out in the loan agreement. If you cannot afford your agreed repayment(s), this may have a negative impact on your credit report and could affect your ability to borrow again in the future. We strongly recommend that you contact your lender in the first instance, they will need to be aware of your change in financial circumstances before they can present alternative methods of repayment to suit you. Collection processes can vary depending on your loan provider. If you do not contact your lender about your circumstances they may pass your account to a third-party collections agency, or attempt to take you to court for non-payment to register a County Court Judgment (CCJ) against you.
If you wish to renew your loan, please discuss this with your lender in advance. Most lenders will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.
Disclaimer: The proceeding is general advice only, and is not intended to address your specific financial situation. Please consider retaining independent financial counsel to discuss your individual needs.