Access cash
in a snap
Swell Credit is a personal line of credit designed to help you tackle unexpected expenses and cover large purchases — access funds easily with one click. Use it to replace higher-interest credit cards and personal loan debt.
More Credit Less Cards
Instead of having separate debit and credit cards, Swell Cash & Swell Credit work together—you can move money back and forth instantly in the Swell App. Simply borrow what you need, when you need it.
Swell Credit works like a credit card cash advance, except there is no cash advance fee and you only pay interest on what you borrow.
No more overdraft fees. Swell Credit replaces overdraft protection. If your Swell Debit Mastercard® transactions exceed your cash balance, you can draw funds instantly from your credit line to avoid late payments or having your transaction declined.1
Swell Credit can also be used to cover unexpected expenses and can replace your more expensive credit cards and other personal loans.
How Swell Credit works
Once you’re approved for Swell Cash & Swell Credit, you’ll get a credit amount that can be used anytime you need it.2
Accessing your credit line is easy. Just select Credit in the Swell App and draw funds from your available balance. Funds will appear instantly in your Cash account.
To easily make payments on your credit line, simply set up automatic payments in an amount that works for you.
We’re just getting started! Join the Swell Community today and get a Founding Member number that gives you access to the latest updates and special perks! Break away from your old bank and start making money moves with thousands of strivers like you who want to get ahead.