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.

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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.  

01 Swell Credit

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.

02 Transfer Funds

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

04 Credit Use As Cash

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
05 Access Credit Line

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.

06 Pay Off Credit

To easily make payments on your credit line, simply set up automatic payments in an amount that works for you.

Credit Benefits Page
Amounts and APR shown are for illustrative purposes only.
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Swell is officially here!

Join our waitlist, and we’ll send you an exclusive invitation code as soon as we can.3  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!

Note: Automated overdraft functionality likely will not be available until January 2023.  Credit approval and availability on your Swell Credit line required. The following transactions from your Swell Cash account (up to an aggregate limit of $100 at any one time) are eligible for overdraft protection, and you agree that you are responsible for Overdraft Advances made to cover the following transactions: (i) debit card transactions (including PIN and signature transactions), (ii) pre-authorized ACH transactions (including transactions scheduled using Swell BillPay), and (iii) cash withdrawals at ATMs.  Swell Credit Overdraft protection does not apply to other transactions.  For more details about Swell Credit Overdraft, see Sections 14, 15 and 16 of the Swell Credit Account Terms and Conditions and Section IV.L of the Swell Cash Deposit Account Agreement and Disclosures.

If you set up qualifying direct deposits totaling $500 or more per designated period in your Swell Cash account, you will have access to your Approved Credit Limit with Swell Credit. You must maintain $500 or more qualifying direct deposits per designated period to have access to your Approved Credit Limit.

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