By submitting you agree to be contacted by lenders in our network and to our Privacy Policy, Terms and E-Consent. SwayAura is not a lender.
SwayAura is not a lender. Submit and lenders in our network may reply.
SwayAura is a connection service. Filling out this form is not the same as applying for a loan. If a lender in the network responds to your request, the offer and its terms come entirely from that lender. SwayAura has no say in whether you are approved, what rate you receive, or how much a lender can offer.
Using this service is free. SwayAura earns from lenders in its network. Any fees connected to a loan appear in the lender’s offer before you commit.
Your details go to multiple lenders at once. You fill in one set of information instead of repeating the same answers on several different sites.
You can read any offer a lender makes and walk away. Submitting this form is not a contract and carries no penalty.
From first click to a possible lender response in four steps.
Select how much you want to request. Amounts on this page run from $100–$5,000. The figure you pick carries forward into the rest of your form.
Fill in your details on this page. No new accounts, no separate sites. Everything is handled right here in one place.
When you hit submit, your information goes to lenders in the SwayAura network who serve your state. They review it as requests arrive.
If a lender sees your request as a match, they may respond on-screen right away or follow up with you after you have left the page.
These basics help lenders decide whether they can respond to your request.
U.S. resident in a served state
Verifiable, regular income
Personal checking account
Working phone and email
18 years of age or older
Valid government-issued ID
No. SwayAura is a connection service. It routes your completed form to lenders in its network. Any offer you receive comes from the lender who responds, not from SwayAura.
SwayAura does not run a credit check. If a lender in the network responds to your request and you decide to continue, that lender may run their own review.
Your request is forwarded to lenders who serve your state. A lender may respond on-screen immediately or contact you shortly after.
Requests on this page range from $100 to $5,000. Whether a lender can match that amount depends on their own policies and your submitted details.
No. SwayAura is free to use. The service is funded by lenders in its network. Any charges from a lender appear in their offer before you agree to anything.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where SwayAura does not have an available lender, you will not be connected to a lender. Our Lending Policy has current state availability. Rates & Fees explains how rates and terms actually work once you are matched with a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. SwayAura is not a lender and does not make loan or credit decisions. SwayAura connects interested persons with a lender from its network of approved lenders. SwayAura does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. SwayAura may receive compensation from lenders in its network. See our Advertising Disclosure. SwayAura's service is always free to you. Submitting a request is not a guarantee of being matched or approved.
By submitting your information via this website, you are authorizing SwayAura and lenders in its network to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize SwayAura to share your information and credit history with a network of approved lenders. See Credit Authorization.
Lender's Disclosure of Terms. The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. SwayAura has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.