To be approved for Swell Credit, you also have to be approved for Swell Cash. Applying for Swell Cash and Swell Credit is similar to applying for any other financial accounts. Using the Swell App, the application process typically only takes about 5-10 minutes.
Note: All Swell Credit accounts have an initial credit limit of $500. To access your full approved credit limit, you must set up qualifying direct deposit deposits totaling $500 or more during the initial time frame specified in Section 2 of the Swell Credit Account Terms and Conditions. Thereafter, to retain access to your full approved credit limit, you must maintain qualifying direct deposits totaling $500 or more per designated period. See Section 2 of the Swell Credit Account Terms and Conditions for more details.
If you haven't set up direct deposit, it's easy. Open the Swell app and select "Add Money" and select "Manage your direct deposit" to set up. See here for more details on setting up direct deposit