In this article:
Car rego is no joke and one of the big stresses of owning a car in Australia. If you need some quick cash then a Car Registration Loan from Swoosh is here to help. We offer direct loans from $2,200 – $5,000 with fast approval. Our 100% online application only takes minutes to fill out!
Car Leasing VS Buying
How to get a car registration loan
Get a car registration loan near you today in just 3 steps:
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan is provided within 60 minutes of receiving your information (during business hours)*. The decision will arrive promptly — right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account!
Apply Online Today
Find out more about how to get a loan with Swoosh.
*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.
Fast online approval
Swoosh is a 100% online direct lender in Australia. Meaning you can get a vehicle registration loan from anywhere, often with same day approval.
Car rego loans with bad credit
Worried about bad credit holding you back? Don’t be! Swoosh offers bad credit loans for car rego payments. We look at your current financial situation when we assess your application, so past credit mistakes won’t hold you back.
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. If you’re able to pay off the loan now, you can borrow money against your car and get your rego sorted.
Flexible instalment payments
We align your repayment schedule with your payday so you never have to worry about missing a payment. You can pay:
- Weekly
- Fortnightly
- Monthly
Eligibility for car rego loans
You can apply for a loan against your car as long as you meet our 4 simple eligibility criteria, you must be:
At least 18 years of age
A permanent resident or valid visa holder of Australia
Employed for 3 months or more
The owner of a vehicle registered in your name
Apply for a loan today for a super speedy answer. Remember that applications can be paused or stopped at any time — there are no obligations resulting from the application.
Rates & fees
At Swoosh, we give you all of the information upfront. Here are all of the details on our secured loans:
| Online cash loan amount | $2200-$5000 |
| Application fee | $0 |
| Standard establishment fee | $400 |
| Other Fees | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your paydays) |
Interest rate details
Our interest rates are fixed for the term of the loan — making things easy and straightforward. Rates are calculated daily on the outstanding balance.
Debit dishonour fee
A $35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid. You must still continue to pay the usual interest charges as described.
What makes Swoosh the best choice?
Check out our reviews to see what our customers love about Swoosh loans!
When you choose Swoosh for your loan, you benefit from these services:
- An easy online application that can be completed from a smartphone, tablet, or computer
- Super speedy loan approval (usually within 1 hour of receiving all your information during business hours)*
- Direct deposit of the funds into your bank account
- Flexible repayment options
- A 100% secure online process
- No hidden fees or nasty surprises
- Friendly and helpful customer care team
Our commitment to responsible lending
At Swoosh, we always practise reliable, responsible, and trustworthy lending. We share our cost structures upfront, and only approve applications when we know they can be repaid. Unlike other digital lenders, every application is reviewed by a professional (human!) assessor — always following responsible lending criteria.
Got questions?
Contact us to get your questions answered, or to discuss your individual needs.
**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.
Testimonials
sam johnston
Donna Moroney
clint bindley
Eric & Zephy
Melissa Wilson
Tales from the Crypto
Naseer Mansour
Tohi Ridings
J R
Shayne Khan
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.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
