Cash
Credit
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Pay Down Debt Faster
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One App
Early Paycheck
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Fee-Free ATMs
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No Hidden Fees
The New Way to Tackle Debt!
Swell's mission is to help customers save one billion dollars in credit card interest.
Swell Credit is built for people who are serious about tackling their debt.1 We’re on a mission to help people who are ready to make their high-interest credit card debt a thing of the past.
Download the Swell Money App
Save Thousands on Interest with Swell Credit 2
Credit card interest rates are at an all time high of 20.04%3 and Americans are struggling to make a dent in what they owe. Swell Credit isn’t a credit card, it’s a personal line of credit built to help you tackle your debt and save a bundle on interest. Here’s an example:
High-interest rate credit card
Estimated Savings with Swell Credit
Download the Swell Money App
Use invitation code SWELL23.
The credit card Estimated Months to Pay Off and Estimated Total Interest Paid are calculated assuming there are no additional borrowings on the credit card(s) and that the monthly credit card payment consists of 1.0% of principal plus accrued interest at the example APR. The Swell Credit Estimated Months to Pay Off and Estimated Total Interest Paid are calculated assuming there are no additional cash advances from the Swell Credit account and that the Swell Credit monthly payment includes 1.5% of principal plus accrued interest at the Example APR. Swell Credit has no grace period for interest accrual — interest starts accruing on amounts advanced beginning on the balance transfer date. The Estimated Interest Savings and paydown reflect the comparison of the options shown. Your actual interest savings and paydown timeframe may be less favorable depending on your actual credit card APRs and balances and the amount you pay on your accounts each month.
Transferring Balances to Swell Credit is Simple
The Swell app makes it easy to pay down credit card balances with a Swell Credit cash advance. Just pick the credit cards you want to pay off and the Swell app will guide you through the rest. You can do it all through your Swell app in minutes. 2
Credit card images displayed are examples only. All marks are the property of their respective owners, and no claim is made to any right or interest therein.
Competitive Rates4
If you’re carrying a balance on a higher rate credit card, pay down that balance with a lower rate Swell Credit cash advance. You can save thousands of dollars in interest charges and pay down your balance faster with Swell Credit.2
Use Only the Funds You Need
Draw money from Swell Credit when you need it for things like balance transfers, major purchases or emergencies. Pay interest only on the amount you borrow.
Cash & Credit That Work for You
The Swell app bundles Swell Credit with Swell Cash.1,4,5 You need Swell Cash to get Swell Credit — they are designed to work together.
How to Make the Most of Your Swell Accounts
Do this:
Deposit $500 or more each month into Swell Cash to maintain your approved APR.4 No minimum balance required.
Use your Swell Cash account just like any other bank account — pay bills, make purchases using your Swell debit card, and pay your Swell Credit monthly payment.
Do this:
Make 15 or more purchases with your Swell debit card each month.5
Use your Swell debit card just like any other debit or credit card to pay bills and make purchases in stores and online.
Frequently Asked Questions
How does the balance transfer work?
Once you are approved for Swell Credit, simple enter your credit cards details, the amount of money you would like to transfer, and Swell will send a check directly to your credit card company.
What’s the interest rate I would pay on a balance transfer?
When you apply to Swell, you will be informed of your eligible APR prior to opening your account.
Is a hard credit check required in order to be approved for a Swell Credit account?
Yes. Just like the approval process for other credit products, the Swell Credit application and approval process includes a review of your credit history and your credit score and involves a hard inquiry on your credit report. Learn more about the qualifications to be approved for Swell Cash and Swell Credit.
Estimate Your Savings.
Find out how much you could save in interest and how much faster you can pay down your credit card balances with Swell Credit.2,4 The Credit Card Crusher makes it easy to run the numbers. You might be surprised at how much you can save.