Cash
Credit
Compound
Adding Funds
Early Paycheck
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Fee-Free ATMs
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Mobile Banking
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No Hidden Fees
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One App
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Swell Debit Mastercard®
A New Way to Crush Credit Card Debt
Credit card debt is at an all-time high and millions of Americans are struggling to make a dent in what they owe.1 Swell Credit was created to help you turn the tables.2
Swell Credit is a personal line of credit (it’s not another credit card!) built to help you save you a bundle in interest charges and pay down your credit card debt faster.3
Swell Credit is by invitation only — join the waitlist today!
Join the Waitlist
Cash and Credit That Work Together
We think your money should work for you, not the other way around. Swell Cash and Swell Credit are the first integrated bank account and line of credit designed to help you tackle debt and manage spend.
Early paychecks, fee-free withdrawals from over 45,000 ATMs and so much more.2,4
Built to help save a bundle in interest charges and pay down balances faster.2,3,5
Watch Now:
Here’s the Deal
(a note from our founder)
“I founded Swell to provide a better option for millions of hard-working Americans who struggle with credit card debt. It’s more than a job to me — it’s my personal mission.”
Source: Federal Reserve Bank of New York. Consumer Credit January 2023.
Swell Financial, Inc. is a technology company, not a bank. Banking and line of credit services are provided by Central Pacific Bank, Member FDIC. Swell Credit is a personal line of credit, not a credit card. To qualify to open a Swell Credit account, you must be approved for and open a Swell Cash deposit account. Swell Cash and Swell Credit are not available in all states. Qualifications to open Swell Cash and Swell Credit accounts are set by Central Pacific Bank. For more details, see www.swellmoney.com/qualifications.
Transferring credit card balances to a Swell Credit account may not reduce your overall interest charges if the APR on your transferred credit card balances is lower than your Swell Credit APR, if the credit card minimum payment amount is higher than the Swell Credit minimum payment amount, or if you typically make more than the minimum payment on your existing card balances.
The Swell Cash deposit account has a $12 monthly account service fee that can be avoided by making 15 or more monthly debit card purchase transactions. Visit www.swellmoney.com/fee-schedule to review the Swell Cash Deposit Account Fee Schedule. Enrolling in Autopay is not required to open a Swell Credit account. Early paycheck depends on the timing of the submission of the payment file from the payer. Funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ATM transactions with the Allpoint network are “in-network” for Swell Cash deposit account customers. Out-of-network ATM transactions are $2.50; out-of-network ATM operators may charge fees. Other fees such as third-party and cash deposit fees may apply. Visit www.swellmoney.com/fee-schedule to review the Swell Cash Deposit Account Fee Schedule.
As of March 2023, Swell Credit has credit limits from $1,000 to $10,000 and APRs ranging from 7.99% to 23.99%. Rates and line amounts are set by Central Pacific Bank, and no particular APR or credit limit are guaranteed. Credit approval is required. For more details, see www.swellmoney.com/qualifications. Product terms described above are examples only and may not be indicative of APRs and credit limits that are approved by Central Pacific Bank or that may be offered to recipients of marketing offers from Central Pacific Bank.
Swell Cash and Swell Credit are not available in all states. See www.swellmoney.com/qualifications for more details.