Need a bad credit loan in Brisbane? Swoosh Finance can help!
Struggling with bad credit? Don’t worry! At Swoosh Finance, we understand that life doesn’t always go according to plan. If you’re in Brisbane and need a loan despite having bad credit, we’re here to help. Whether it’s for a quick cash advance before the weekend, consolidating debts (even with bad credit), or just a short term loan to cover urgent expenses, you can get an easy cash loan today.
With our simple online application and fast approvals, getting a bad credit loan in Brisbane has never been easier.
Apply for $2,200-$5,000 today with a local Aussie direct lender!
Apply for up to $5,000 in 3 easy steps!
Step 2:
Get approval within 60 minutes of receiving required information (during business hours)*
Step 3:
Get paid directly into your bank account
How quickly can I get a loan for bad credit?
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Why Choose Swoosh?
Application reviewed in minutes… by actual humans, not computers!
Bad credit loans using car as security
Bad credit loans are designed for individuals with a low credit score or a poor credit history. Traditional lenders might reject your application, but Swoosh Finance offers you a second chance. As a private lender, we can provide loans to Queenslanders with bad or even very bad credit, as long as you meet our eligibility and lending criteria. All our loans are secured, so you can use your car as collateral and keep driving while you repay.
Am I eligible to apply for a loan?
We keep things simple, to be eligible to apply for a bad credit loan in Brisbane you need to:
- Be 18 years or older
- Have been employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle (like a car or motorbike) registered in your name
Rates & fees
| Loan amount | $2200 to $5000 |
| Application fee | $0 |
| Establishment fee | $400 |
| Other fees and charges | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Debit dishonour fee (if a scheduled payment is returned unpaid) | $35.00 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
We like to keep things simple with our small personal loans for Brissy.
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Ready to get your loan?
Whether it’s for an unexpected bill, a last-minute holiday, or to consolidate existing debt, give yourself a break and apply now with Swoosh.
Guaranteed approval loans for bad credit applications
We cannot offer guaranteed approval no matter what. But we know that situations can improve faster than credit scores. So as long as your current situation meets our lending requirements, a bad credit history won’t hold you back from being approved for a loan.
Bad credit loans no credit checks
Swoosh does conduct a credit check as part of our responsible lending practices but we always offer a fair go to everyone, even those with bad or very bad credit.
Loan on Centrelink with bad credit
You can still get a loan from Swoosh while on Centrelink payments. You will need to be employed for at least 2 months and meet our eligibility and lending criteria.
Bad Credit Loan Brisbane FAQs
What are bad credit loans?
Bad credit loans are small cash loans available to individuals with a poor credit history who might ordinarily be denied a loan by a traditional lender.
Can I get a bad credit loan to consolidate debt?
Yes, you can! At Swoosh, we understand that it can be hard to stay on top of debt when you’re trying to manage multiple loans. And that it can be tricky to find someone who will look beyond your credit history. That’s why we offer debt consolidation loans!
Does Swoosh do credit checks?
We conduct credit checks on every application. After evaluating current bank statements we determine whether you have the ability to repay the loan. This way we don’t solely rely on a credit check – bad credit history follows thousands of Australians each year and we at Swoosh understand that this can happen to anyone. So if you’re able to pay off the loan now, you can borrow money against your vehicle and get your cash flow sorted.
Can I get a cash loan without a bank account?
No, as the funds are transferred directly into your account you will need a bank account to get a loan.
Cover costs in Brisbane with a Small Personal Loan
Testimonials
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The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.