Terms of Use
Last updated: June 3, 2026
Agreement
By accessing Swift Funds (“Site”) or submitting an application, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the Site.
Eligibility
You must be at least 18 years old and meet our underwriting criteria. Loans are not available in all states or to all applicants. We may decline any application for any lawful reason.
Accurate information
You represent that all information you provide is true and complete. False or misleading information may result in denial, closure of your account, or legal action where permitted.
Credit and electronic communications
You authorize us to obtain credit reports and verify information with third parties. You consent to receive disclosures and agreements electronically where allowed by law.
Loan terms
If approved, the specific amount, APR or cost of credit, payment schedule, fees, and other terms will be stated in your loan agreement. The Site and calculators show estimates only and are not offers of credit until you receive and accept a formal agreement.
Payments
You agree to repay according to your signed agreement. Late or missed payments may result in additional charges as disclosed in your agreement and may be reported to consumer reporting agencies.
Responsible lending
Swift Funds supports responsible borrowing. High-cost short-term or installment credit may not be suitable for long-term financial needs. Borrow only what you can afford to repay. If you are struggling with debt, consider contacting a non-profit credit counseling agency approved by the U.S. Department of Housing and Urban Development (HUD) or your state regulator.
Prohibited use
You may not use the Site for unlawful purposes, to harass others, to transmit malware, or to attempt unauthorized access to our systems or data.
Disclaimer
The Site is provided “as is.” To the fullest extent permitted by law, we disclaim warranties not expressly stated in your loan agreement. Some jurisdictions do not allow certain disclaimers; in those cases, our liability is limited as permitted by law.
Limitation of liability
Except where prohibited, our total liability for claims arising from your use of the Site (other than obligations under a signed loan agreement) shall not exceed the greater of one hundred dollars ($100) or the fees you paid us in the twelve months preceding the claim.
Changes
We may modify these terms at any time. Material changes will be indicated by updating the date above. Your continued use of the Site after changes constitutes acceptance.