Loan request$100 to $5,000
Get your request moving
- Soft inquiry
- to start
- $0
- to send
- No obligation
- to accept
Encrypted from this card all the way to the lenders who read it.
Short form. Long reach.
Pick an amount from $100 to $5,000 and answer a few quick questions. SwiftCashFirst puts that single request in front of a network of lending partners together, and a lender who can help may come back with its own offer. If approved, funds can arrive as soon as the next business day.
- 01A soft look firstThe first check is a soft one, so your credit score does not move. A lender runs a full check later, and only if you choose to go ahead.
- 02Nothing to pay usLenders pay for the introduction. Sending a request costs you nothing, now or later.
- 03Yours to turn downEvery offer comes with its terms written out. Decline any of them without giving a reason.
Three lanes, one direction
All of it happens on screen. There is no branch to visit, no paperwork to post and nobody you have to ring.
Lane 1
Fill in the short form
Choose an amount, share a few details about your income and name the checking account you would want paid into. On a phone it takes a few minutes.
- Soft inquiryThe opening check is soft, so your score is left exactly as it was.
- EncryptedWhat you type is encrypted on the way and while it is stored.
- FreeThere is no charge to send it, and sending it binds you to nothing.
Lane 2
Meet a matching lender
Your one request reaches the lenders in our network together. When a lender wants to work with you, we connect you so you can look at its offer.
- Interest is not approvalA lender that responds is showing interest. Whether it lends, and on what terms, is its own decision.
- How the match is madeLenders place bids on requests, and you are put in touch with the highest available bidder. You pay nothing whichever lender it is.
- Our phones stay quietNobody at SwiftCashFirst will ring you with a sales pitch. If anyone gets in touch, it is a lender, or a third party you gave the nod to on the form.
Lane 3
Read the offer, then decide
The lender puts every rate and fee in writing before you agree to anything. If you accept and are approved, the lender sends the money, not SwiftCashFirst.
- The lender sets the termsIts documents list each fee and rate. We have no say over any of them.
- Next business day, if approvedMany lenders send funds as soon as the next business day once a loan is approved. Weekends and bank holidays can add time.
- Borrow what you can repayA missed or late payment can damage your credit. Say yes only to repayments that fit your budget, and speak to your lender early if one looks hard to meet.
All together
Every lender hears it at once.
Your request is not handed down a queue from one lender to the next. The whole network sees it together, and any lender that can help replies with an offer of its own.
Send my request
Pick the lane you need
Every category opens onto its own page of partner listings and a brief guide, while the form at the top of this page stays the same for all of them.
Fifteen amounts, one gentle climb
The form offers fifteen set amounts, from $100 at the low end up to $5,000. Pick the one that covers what you need, rather than the most you can ask for.
The fee
$0to send a request, at any stage
What you pay us: nothing at all.
SwiftCashFirst takes no fee for sending a request or for connecting you with a lender. Rates, fees and repayment dates all come from the lender making the offer, set out in writing before you agree.
Score left alone
Checking your options will not move your credit score. A lender runs a full check only if you carry on with its offer.
Sealed in transit
Your details are encrypted as they travel and where they are stored, and they go only to the lending network you send them to.
Free, and no strings
Sending costs nothing. Look over any offer in your own time and take it only if it works for you.
Questions on an inquiry, an approval, a funded loan or a repayment belong with your lender. As the referral service, not the lender, SwiftCashFirst has no view into a loan that is pending or approved.
The rules of the road
The points people ask about most, set out here instead of tucked away in the footer.
L1Sending is not approval
We hand your request to participating lenders. Each one weighs it up and decides whether to lend to you, and on which terms. The introduction is our whole part.
L2We make no sales calls
SwiftCashFirst never phones you to sell. Once the network has your request, a lender, or a third party you said yes to on the form, may reach out to you, and you can opt out whenever you want.
L3Walking away is always allowed
Each offer spells out its rate, fees and repayment dates in writing. Read it at your own speed and turn it down if it is not right. A request on its own never commits you to a loan.
L4Who pays for the service
Our income comes from lenders, commonly through bids: of the lenders available, the one bidding highest is connected to you. None of it is ever charged to you.
L5Credit checks and your consent
When you send a request, you allow SwiftCashFirst and its partners to check your credit and to share what you entered with the lending network. The Credit Authorization page has every detail.
Worth knowing before you send
Still unsure about something? Ask first. Nothing is sent until you choose to send it.
1Does SwiftCashFirst lend the money?
No. SwiftCashFirst is a free referral service, and lending is not something we do. Your request is routed to a network of lending partners, and a lender that takes it up chooses the rate, the fees and the terms itself.
2How much can I ask for?
You can choose one of fifteen amounts between $100 and $5,000. Any loan offer, and its terms, is for the lender to decide.
3Does checking my options hurt my credit score?
No. Every request here opens with a soft inquiry, and a soft inquiry leaves your credit score as it is. Should you continue with one lender, it may carry out a full credit check once you authorize it.
4How quickly could the money arrive?
Many lenders in the network can pay out as soon as the next business day, if approved. The real arrival time turns on the lender, your bank and the hour you complete the request.
5What does it cost me to use SwiftCashFirst?
There is none. Using the service is free and sending a request creates no obligation. Our fees come from the lending network, not from you.
6What happens after I send my request?
It travels to our network of lending partners. Any lender that wants to help sends you on to its own site, which shows the exact rate, fees and repayment dates up front. Saying yes is always up to you.
7How do you look after my information?
With industry-standard security: your details are encrypted in transit and in storage. What we collect, and who receives it, is listed in the privacy policy.
How the service works, out in the open
Transparency
SwiftCashFirst is not a lender. Our advertising disclosure covers how we earn money and how that can influence the offers you see, and every policy is linked from every page.
Security
Encrypted as it travels, encrypted where it is stored, and a soft inquiry to begin.
Your choices
Stop our marketing messages, or stop the sale or sharing of your personal information, at any time you like.
Ready to go
A few minutes now. The network takes it from there.
Soft inquiry to begin, nothing to pay and no obligation to take any offer that comes back.
Send my request