Get paid
before payday

With Swell Cash, you can access your paycheck up to two days early.1 That’s two extra days for you to make smart money moves, like making an investment or adding to your savings.

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How to get started

When you apply for Swell Cash, you can easily set up direct deposit by linking to your payroll provider or employer/payer. Once direct deposit is set up, you’ll start receiving your paychecks up to two days early. Simple as that.
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Frequently Asked Questions

Why isn’t my paycheck coming early?
The funds are credited to your Swell Cash account as soon as the payment file is received from your provider, which can be up to two days early.
Does it cost anything to receive my
paycheck early?
Nope. Not a cent.
What qualifies as direct deposit?
Payroll, government salary, Social Security income, retirement income and unemployment payments.
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Swell is officially here!

Join our waitlist today, and we’ll send you an exclusive invitation code as soon as we can.2  Break away from your old bank and start making money moves with thousands of strivers like you who want to get ahead. Join the waitlist today!

Early paycheck depends on the timing of the submission of the payment file from the payer. Funds are made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Swell Cash and Swell Credit are not available in all states. See www.swellmoney.com/qualifications for more details.