SWIFT Personal Loans Review

Information verified correct on March 29th, 2017

If you’re in need of a personal loan, SWIFT connects you with lenders that will offer you terms that are reasonable, affordable, and trustworthy.

Finding a personal loan that fits your needs can be an exhausting process. There are many aspects to consider when you are selecting a loan. SWIFT takes away much of the guess work by sending in your information directly to the lenders on your behalf. Taking out this step, puts you in control of the loans offered to you. You see the terms. You make the choice.

Product NameSWIFT Personal Loans
Interest Rate (p.a.)From 0% (variable)
Comparison Rate (p.a.)
Interest Rate TypeVariable
Min Loan Amount$200
Max. Loan Amount$10,000
Application Fee$0


  • Honest about loans.
  • Safe with your information.
  • Easy, no-hassle forms.


  • May not have an offer for your needs.

Benefits of Personal Loans through SWIFT

Loan companies will tell you whatever they think you need to hear to get you to sign. This can be frustrating. With SWIFT, you’re in control and they know it.

  • Honest about loans. SWIFT doesn’t pretend that borrowing money through a loan happens overnight.
  • Safe with your information. SWIFT uses encryption technology to protect your information.
  • Easy, no-hassle forms. Forms for personal loans are simple and easy to complete. Just have your bank information handy.
  • Hand-picked lenders. SWIFT is proud to work with the highest rated lenders.
  • You’re in control. Just because you got an offer, doesn’t mean you have to accept.
  • Highly-rated customer service. You can contact customer service anytime at customerservice@swiftpersonalloans.com

Product Details

  • Minimum Loan Amount: $200
  • Max Loan Amount: $10,000
  • Interest Rate: Applicant will be notified of interest rate once application is approved. At which point, applicant has opportunity to review fees, interest rates, and payment schedules and determine whether or not to approve or decline.
  • Loan Term: Determined by loan application
  • Turnaround Time: Application process, lender match, and approval can happen within an hour. Once applicant accepts terms, and if electronic deposit is chosen, cash could be in account as soon as the next business day.
  • Requirements: Varies based on lender, but typically, you must be at least 18 years or older, employed or have regular income, and satisfy the lender’s underwriting requirements.

What are the requirements to apply for a personal loan through SWIFT?

Eligibility requirements.
In order to be approved for a personal loan from a SWIFT lender, you must typically meet the following requirements:

  • You have a valid bank account
  • You have a job or regular source of income
  • You are a resident of the United States
  • You are 18 years of age or older

Required documents and information.
When you are applying for a loan through SWIFT Personal Loans, make sure you have the following information on hand:

  • Your name, residential address, birth date, email address, and phone number
  • Your Social Security number and driver’s license number
  • Your employment information, including job title, employer name, and monthly net income
  • Your bank information, including your bank routing number and your account number

How does the SWIFT Personal Loans application process work?

  • Fill out the easy loan application. The form takes about 5 minutes to complete. SWIFT will share the information you provide with the participating lenders in the network.
  • SWIFT will send your information to the lenders, and if you’re chosen by a lender, a lending decision can occur in seconds.
  • Though it varies by lender, once you’ve completed your loan application, you could see the money in your account in as little as one business day.

Frequently Asked Questions

Are there fees associated with SWIFT Personal Loans?

No. SwiftPersonalLoans does not charge a fee to use their website. They collect your information and sharing it directly with lending partners. If you apply for and are approved for a loan, you will be subject to any fees that are associated with the loan offered directly through the lender. This includes the APR. Be sure to review all of the terms for a loan that you have been offered before signing.

I have bad credit. Should I still apply?

Yes. Some lenders will only use the information you provide in your application, while others will run a credit check as part of their process. There are options for you, even if your credit is less than great.

How long does it take to get matched with a lender?

It only takes a few seconds to be matched with lenders. Not everyone that applies will be matched with a lender.

How long does it take to get my loan funds?

If you are chosen by a lender and are approved for credit, you will be sent a loan agreement by that lender. Once you have a agreed to the credit terms and select electronic deposit, you could have your cash in your account as soon as the next business day.

How much can I borrow?

The amount of credit you are offered will be based on the information that you supply in your application and through the lender’s underwriting criteria. Typically, first time applicants can be approved from between $200 and $10,000. For a returning applicant, you can be approved for up to $10,000. Not all who apply will be matched with a lender for credit.

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