Get a quick bad credit loan in Sydney today with Swoosh Finance
Looking for a bad credit loan in Sydney with fast approval? Swoosh Finance is here to help. Whether you need some urgent cash ASAP or just need a small loan without your credit score holding you back, we’ve got you covered.
The application process is quick and paperless, you can be done in just a few minutes. Apply from the comfort of your own home, on your morning commute, or from anywhere else with an internet connection! As long as you have a mobile phone or other smart device, the sky is the limit. No need to stand in line and wait around for hours, everything is 100% online. Get a bad credit payday loan secured against your car in NSW today.
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 fast is loan approval for bad credit applications?
*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 loan with security
Get a bad credit payday loan using your car as security in Sydney and still drive it! As a private lender, we can provide alternative or second chance loans to people in New South Wales 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. This means you can get a loan even if you have a less-than-perfect credit score.
Am I eligible to apply for a loan?
You can apply for a cash loan in Sydney today as long as you meet our 4 simple criteria:
- 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 NSW residents.
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 small cash loan from Swoosh in Sydney while on Centrelink payments. You will need to be employed for at least 3 months and meet our eligibility and lending criteria.
Bad Credit Loan Sydney FAQs
Can I finance against my car?
Yes. Financing against your car involves using your vehicle’s value to secure a loan. Lenders assess your car’s worth and use it to determine eligibility for a loan amount.
Can I get a loan if I already have a loan?
Yes, if you have other loans you can still apply for a quick cash loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.
If you want to roll multiple loans into one, you can apply for a debt consolidation loan.
What are better alternatives to using payday loans?
Payday loans can be a helpful tool for the right situation but they are not your only option, which is why it’s important to consider all your options before making a decision.
Check out some of these useful blogs for information on some of your options.
Can I get approved without a credit check?
As a responsible lender, we conduct credit checks on all applications. Credit checks are an important part of the application process and help to protect both you and the lender.
Can I get the cash instantly?
Looking for instant cash? We offer PayID, which means that as soon as your loan is approved and you return the signed contract, you can have the money deposited directly into your bank account.
Cover costs in Sydney 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.