In this article:
Christmas is a time for joy, a time for love, and a time for family. During this time of festivities, tradition and giving, many are swamped with financial pressure and may need a small loan to take the pressure off. To make sure the holiday season is full of joy, we offer last-minute Christmas Loans. Even for people with poor or bad credit! Christmas is a favourite time of year for many when we can come together with our families and celebrate, and we at Swoosh want to make this as easy as possible.
Apply for a small Christmas Loan today from a local Aussie direct lender! We are here to help make the cost of Christmas more achievable. With Small Xmas Loans from $2,200 to $5,000, you can get the perfect Christmas presents for all your loved ones.
15 Cheap But Thoughtful Christmas Gifts
What is a Christmas Loan?
Christmas loans are a type of small personal loan used to help cover costs over the festive season. Swoosh online loans are secured by a vehicle and come with a short repayment term of 12 months. You can even pay the loan off sooner with no early exit fees.
Where to get a Christmas Loan
Need a loan for Christmas gifts? Or just some spare money for the holidays? You can apply for a holiday loan online with Swoosh Finance at any time.
Once you have filled in the application, our team of (human!) assessors check your eligibility quickly using the information provided. Because we operate online, we can get you the money you need, fast. We believe in providing excellent service, so if there’s anything you’re unsure about, you can contact our friendly team for assistance.
Apply for a Christmas Loan
With our 24/7 online application, it has never been easier to get a loan for Christmas. Our simple form takes just minutes to complete and our process is completely paperless, removing the hassle of mountains of documents, printers, and scanners.
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 you providing require 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.
*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.
Get a quick Xmas loan today
Christmas loan eligibility
Swoosh takes responsible lending seriously. That’s why we have a short list of eligibility requirements for applying for our secured Christmas loans:
Be over the age of 18
Be a permanent resident or valid visa holder of Australia
Have a steady income
Own a vehicle registered in your name
We always make sure to only loan you an amount that we know you can comfortably repay. But if your situation changes and you find yourself struggling to make repayments, it is important to contact our customer service team immediately, so we can assist.
Can I get a Christmas Loan with bad credit?
Yes, Swoosh can approve bad credit Christmas loans! To get you the much-needed cash boost you need over the Christmas season, we look at the ‘here and now’ of your financial situation, assessing everyone on an individual basis.
We offer online cash loans after evaluating recent bank statements and your current ability to repay the loan, not one year ago or some other time in the past. This way we are able to offer a second chance to those who have been affected by bad credit, getting them the cash they need.
Still worried about bad credit? Check out our guide on how to get a loan with bad credit.
Rates and fees
At Swoosh we’re upfront and honest about our cost structure and process, so you know what you’re getting with your small holiday loan.
| Online cash loan amount | $2,200 to $5,000 |
| Application Fee | $0 (even if your application is not approved) |
| Standard establishment fee | $400 |
| Other Fees | $16 (included in loan) |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your payday) |
| Direct debit dishonour fee | $35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
For more information, visit Rates & Fees.
Flexible repayments
To make it easy, we align repayment schedules with your payday. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
Questions and concerns
At Swoosh, we don’t like surprises, so we work hard to make sure that our online Christmas Loans are as intuitive as they are quick and easy.
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.
Christmas Loan FAQs
How much can I borrow for Christmas?
Our online cash loans start at $2,200 and go up to $5,000.
Can I get a loan without a car?
Swoosh cash loans need to be secured by a vehicle registered in your name. This is generally a car but it could be another type of vehicle as well, like a boat or motorbike.
Can I get a Christmas loan with no credit check?
Swoosh does not offer no credit check loans. Credit checks are an important part of our application assessment process as a responsible lender.
What are your contact/business hours?
At Swoosh, we work hard and play hard. Our customer care team is available Monday to Friday 7am – 5pm AEST (excluding public holidays).
Outside of business hours, you can email Swoosh at applications@swoosh.com.au and our team will aim to respond to your inquiry within the next business day.
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
