Capital Swift Loans

When fast access to cash can make a real difference.

Your boiler breaks down, your windscreen shatters, your new job messes up your first pay - sometimes life jumps up and bites you, and you need cash fast. With our Capital Swift Loan and Capital Swift Extra Loan, you can apply for a fast and affordable loan and get a same day decision.


Capital Swift Loan

The Capital Swift Loan is designed to offer a quick solution to financial curve-balls. You can borrow up to £500 at 26.8% APR to be paid back within 9 months. Apply now


Capital Swift Extra Loan

The Capital Swift Extra Loan is designed for our members who need a quick solution to an unexpected financial challenge. You can borrow up to £1,000 at 16% APR to be paid back anytime between 9 months to 24 months. Apply now


Loan Capital Swift Loan Capital Swift Extra Loan
Membership Yes Minimum 6 months
Credit rating Good Good - Excellent
Proof of employment Required Required
Repayment Period 9 months Between 9 and 24 months
% APR 26.8% 16%
Life Savings Insurance Yes Yes
Loan Protection Insurance Yes Yes
Top up an existing loan* Yes Yes
Set up fees No No
Administration fees No No
Early repayment penalties No No


Members continue to meet their regular savings at the same time as repaying their loans, building up a nest egg for when the loan is paid back.

As a responsible lender, all loan decisions at Capital Credit Union are made based on your income, expenditure and ability to repay.

In order to comply with money laundering regulations, before we provide any service, we may search the records of one or more registered credit reference agencies who will provide us with information from the Electoral Register and any other data appropriate to the search.

*Subject to loan terms and conditions.