A Short Swift Money Review

This Swift Money review is intended to let you see if this is a provider that you may consider applying to in order to obtain a payday loan. There are a number of companies available in this particular business, so it is always going to be a smart idea to read as many reviews as possible before coming to any conclusions about who is the best choice for you and your situations.

To start with, be aware that their name indicates that they are faster than they actually are. Additionally, their cut off times for same day transfers are a lot earlier than those of the most of payday lenders. If you have not submitted your application before 1pm, then there is a solid chance you will not see the cash in your account until the next day. This cut off point is 2 hours earlier than that of most lenders.

Their rates are pretty much the standard of the industry and you should already know the fact that interest rates for this type of loans are a lot above those what you would usually pay. This is chiefly due to the company knowing that people are needy and also that the applicants possibly have a bad credit rating which increases the risk of defaults.

If you are approved, then you can have the funds transferred almost instantly. They do charge you for this service, but, again, this is fairly common among companies that offer these kinds of loans. They either add this fee to your account or you can go for the alternative which is getting the money within 2 working days, but there is still a fair charge even for this part.

Their qualifying criteria is mostly the same as elsewhere, but the lowest take home pay is a bit higher than the industry average. This can make it challenging for those on lower incomes to have their loan applications accepted. If this is the event, you are certainly better off considering an alternative arrangement.

SwiftMoney do verify the information you provide, so be ready to send them proof to support the claims you make on your application form. While this is different from some of their competitors, it is not unique to them, as many lenders ask for verification of personal details. The main problem that this poses is that it delays the entire application process.

The downside of applying to this particular company is that they are possibly not the best to talk to and, definitely, the earlier cut off time means that there is less possibility of you getting the cash on the same day. They can be a bit slow, so if you want to proceed with this lender, make sure you apply firstly in the morning to stand a chance of the money ending up in your account on the same day.

This Swift Money review should thus conclude by saying that if you are in a real rush, you should look elsewhere. Moreover, their charges are pretty much the same as you would want to pay elsewhere. As long as you do not desire to contact them, you should be able to apply without any problems, but do expect to have to send them evidence of your earnings before they approve your application.

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