This page spells out how you can use the Settle Debt Swift website and what applies once you ask us to see what you might qualify for. Browsing our site or submitting a request means these terms apply to you — worth a few minutes to read.
Welcome to Settle Debt Swift. However you're using this site — browsing, comparing options, or checking what you might qualify for — using it at all means you've read, understood, and agreed to everything below.
Before you continue: if any part of this agreement doesn't sit right with you, stop here and hold off on submitting a request.
We built this site to help you see what you actually qualify for, so that's the only reason to use it. Settle Debt Swift grants you a limited, non-exclusive, non-transferable right to browse and use the site for that purpose. A few things are off the table:
Break any of these and we can suspend or shut off your access — without notice, at our discretion.
Settle Debt Swift is not a lender. We don't make lending decisions, and we can't promise approval, an amount, a rate, or terms. What we actually do is match you with a network of participating lending partners who weigh your income, employment, and overall situation — not just a single number — to see what they can offer.
Submitting a request through our site doesn't mean you're approved, or that any lender is obligated to make you an offer. Every lending decision — approval, rate, term, structure — belongs to the lender you're matched with, made under their own underwriting standards and the laws that govern them.
We're a lead generator, not the decision-maker. We may share your request with participating lending partners, and we may be compensated by those partners for the referral. We never charge an application fee.
Everything on this site — articles, tools, guides — is here to inform you, not advise you. None of it is financial, legal, tax, or investment advice. Before you make a decision about a loan or your finances more broadly, talk to a qualified professional who actually knows your full situation.
We work to keep what's here accurate and current, but Settle Debt Swift makes no warranty, express or implied, about its accuracy, completeness, or fitness for any particular purpose. Whatever you act on from this site, you act on at your own risk.
Any amounts, rates, or example scenarios shown on this website are illustrative — not binding offers. What you're actually offered, if anything, is decided by individual lenders based on your income, employment, credit profile, and their own underwriting criteria at the time you apply.
Our site connects with, and may reference, third-party lenders, service providers, and outside websites. Settle Debt Swift isn't responsible for the accuracy, practices, security, or content of any third party. Any agreement you enter with a lender exists strictly between you and that party.
Before accepting an offer or moving forward with a lender, take the time to review their own terms, rates, and privacy policy.
To the fullest extent the law allows, Settle Debt Swift and our officers, directors, employees, agents, and successors aren't liable for any indirect, incidental, punitive, special, or consequential damages — including lost revenue or data — arising from:
These terms are governed by the laws of the State of Colorado, without regard to its conflict-of-law provisions. Any dispute arising from or related to these terms falls under the exclusive jurisdiction of the courts of Denver County, Colorado.
We may update these terms from time to time. Continuing to use the site after a revision means you accept the updated version — the most current terms will always be available on this page.
Questions about this agreement, or anything else? Our team is easy to reach:
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Settle Debt Swift is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Settle Debt Swift and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.