Swap FundsSign inPeer-to-peer, short-term, community-backed
Borrow small from your peers.Build a limit that grows.
Swap Funds connects borrowers and lenders directly. Request $50 to start, agree a fee or add a tip, pay it back in two to three weeks — and watch your trust score open bigger loans.
$50
Minimum request
14-21
Day payback window
1%
Platform service fee
$1,000
Top peer limit
How Swap Funds works
Post your request
Post a small request with the amount, purpose and the fee or tip you'll pay back.
Lenders pick by score
Every borrower carries a live trust score built from real repayment history — no guesswork.
Pay back in 14-21 days
Short windows keep debt small. Clear it early and your score climbs immediately.
Unlock a bigger limit
Start at $50. Stack clean repayments and grow to $100, $200, $300, $500 and $1,000.
Pay how you already pay
Save cards, bank accounts and mobile money wallets to your profile. Repayments draw from your default method, and a verified backup keeps your score safe from missed payments.
Membership that pays for itself
Borrowing and lending are free. Upgrade when you want cheaper fees and a bigger limit.
Swap Funds Free
$0/month
- · Request loans up to your score limit
- · Fund any borrower in the marketplace
- · 1% platform fee on each loan
- · Trust score + credit-building tips
Swap Funds Plus
$5.99/month
- · Platform fee cut to 0.5%
- · 25% higher borrowing limit at any score
- · 2-day grace period before a payment counts late
- · Priority placement in the lending marketplace
Swap Funds Pro
$12.99/month
- · Zero platform fee — keep the whole spread
- · 60% higher borrowing limit at any score
- · 4-day grace period on every repayment
- · Top-of-feed placement for your requests