Terms of Use & Lending Disclosures

1. Loan Marketplace & Brokerage Disclaimer

Swift Loans ("swiftloans.live", "Company", "we", "us", or "our") operates strictly as an online financial marketplace and referral service. We are not a direct lender, bank, or FDIC-insured depository institution, and we do not make loan commitments or credit decisions directly.

Submitting a pre-qualification request connects you with third-party lenders, loan brokers, and financial services companies participating in our lending exchange. Approval, terms, interest rates, loan amounts, and disbursement timing are determined solely by participating lenders based on their proprietary underwriting guidelines.

2. APR Rates & Repayment Term Disclosures

In compliance with the Truth in Lending Act (TILA) and Consumer Financial Protection Bureau (CFPB) rules:

• Annual Percentage Rate (APR): APRs across our lending network range from 5.99% to 35.99% for personal loans and debt consolidation. Qualified rates depend on your credit score, verifiable income, debt-to-income ratio (DTI), loan duration, and state regulations.
• Loan Terms: Repayment terms vary by lender and range between 12 months to 84 months (1 to 7 years).
• Representative Example: If you borrow $10,000 for a 36-month term at 9.99% APR, your monthly payment will be $322.62. The total amount repaid will be $11,614.32, with total finance charges of $1,614.32.
• Prepayment Penalties: None of our primary participating lenders impose prepayment fees for early loan payoff.

3. Electronic Signatures & Communications Consent (E-SIGN Act)

By checking the consent box or submitting an application, you provide your express electronic signature consenting to receive disclosures, notices, loan agreements, and statements electronically pursuant to the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). You certify that you possess the hardware and software capable of receiving, viewing, and saving electronic documents.

4. Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number on our website, you expressly authorize Swift Loans and its lending network partners to contact you via telephone calls, automated dialing systems, artificial/pre-recorded voice messages, and SMS text messages at the telephone number provided, even if your phone number is currently listed on any State or Federal Do Not Call registry. Consent is not a condition of purchasing any good or service. Message and data rates may apply. You may opt out at any time by replying STOP to SMS messages.

5. Credit Inquiries and Reporting

Our initial pre-qualification uses a soft credit inquiry, which allows lending partners to preview your eligibility without affecting your FICO or credit bureau score. When you choose an offer and proceed with a formal application, the chosen lender may perform a hard credit inquiry through one of the three major credit bureaus (Equifax, Experian, or TransUnion), which may have a temporary effect on your credit score.

6. Mandatory Binding Arbitration Agreement

Any dispute, claim, or controversy arising out of or relating to your use of swiftloans.live or services shall be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. YOU AGREE TO WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT.

7. Contact Information

Questions regarding these Terms of Use may be directed to our compliance department: