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Sometimes an unexpected bill creeps up on you or you get invited to a spontaneous trip away. When that happens you might be on the lookout for a Last Minute Loan. Swoosh is an Aussie lender proud to offer fast simple online loans whenever you need them. With Swoosh you don’t need to worry about bad credit holding you back when you need money immediately, we always give everyone a fair go.
Apply online at any time and get quick cash fast!
Learn more: How To Get A Quick Loan Approval In Australia
Why get a last minute loan?
Our quick cash loans are popular with Australians for a reason. Our small loans can help you with:
- Unexpected bills (like medical expenses or car repairs)
- Family emergencies
- Weekend plans and holiday travel
- Educational training programs
- Home improvements or repairs
- And much more
No matter the circumstance, we’re here to get you your online loan fast!
How to get a last minute loan online
Our same day loans are a simple 3-step online application process. You can submit your application online today and receive the money in your bank account without the need for an in-person consultation.
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.
What’s the easiest loan to get immediately?
Last Minute Loans are fast and easy to get ASAP. When you need money immediately, Swoosh is here to help. It takes just minutes to apply and your application will be processed right away.
How much can I be approved for?
Our small personal loans start at $2,200 and go up to $5,000. The application is 100% online so you can apply at any time to get the ball rolling.
How fast can I get the loan money?
With Swoosh, in most cases, you can get cash the same day you apply. We know that when you need last minute cash you need it ASAP. That’s why our same day loans are paid into your bank account the very day your application is approved. In fact, in many cases, we don’t just pay out your loan the same day, we do it within the hour. That’s about as close as you can get to an instant cash loan.*
Learn more: Instant Loan Transfer With PayID
*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.
Eligibility
We aim to make our cash loans fast and accessible to as many Aussies as possible. That’s why we make things quick and easy with only 4 simple criteria for same day loans.
Be at least 18 years old
Employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
Fees & interest rate
Our cash loans are paid back over 12 months. There are no hidden monthly fees and charges and no penalties for paying back your loan faster. So you can pay back your loan with Swoosh as soon as you are ready.
| 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 | $20 (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 | $39.95 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
Keep in mind that you may incur additional fees each time you miss a payment. As a result, this may also affect the length of your loan.
Do you offer cash loans with no credit check?
At Swoosh, we believe that your credit rating isn’t the ‘be all and end all’. So while we do conduct a credit check when you apply for a small cash loan, you don’t need to stress. As long as you meet our eligibility and lending criteria, a bad credit history won’t hold you back.
Can I get a first time loan?
Yes, Swoosh offers first time loans for people with no credit history. So if you need money right now, don’t stress! As long as you can afford the repayments and meet our simple criteria, you’re good to go.
Last minute loans for bad credit
You can get a fast cash loan, even with bad credit, from Swoosh. As responsible lenders, we look at your current financial situation to assess your suitability for a fast cash loan, not past credit reports. Because we understand that, if you find yourself with bad credit, it can be hard to shake it. And when you’re short on time and need cash fast, you can’t always wait for your credit to repair.
Check out our bad credit loans for easy approval and fast cash in the bank today.
Can I get a loan if I am on Centrelink?
You are still eligible for a loan with Swoosh if you get payments from Centrelink. However, Centrelink cannot be your only income. You will need to have had regular employment for the past few months to get a loan from Swoosh.
What makes Swoosh the best?
1. It’s easier to make repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.
2. We’re transparent about our rates and fees
With Swoosh, there are no nasty surprises. We let you know what you can expect to pay up front. Plus, if your financial situation changes and you find yourself struggling to make your repayments, just give us a call and we’ll work something out.
3. We’re an Australian responsible lender
Led by finance experts with years in the industry, Swoosh has been responsibly lending to Australians in need of quick cash since 2014.
Don’t take our word for it, just check out our reviews and see what Swoosh customers love about our fast cash loans.
FAQs
How do I know if an online loan is legit?
All Australian lenders are required to hold an Australian Credit Licence (ACL) number and an Australian Business Number (ABN) and it should be listed somewhere on their website. You can use the ASIC Register to verify a lender is registered.
Check out the MoneySmart advice on banking and credit scams for advice on how to tell the difference between real lenders and illegitimate lenders.
How can I borrow money and get it today?
If you need a loan today, you can apply online with Swoosh – as long as there are no delays in receiving your information and you’ve applied early enough in the day, you should receive the funds by the end of the same day.
Who will give me a loan when no one else will in Australia?
Swoosh has helped thousands of Australians with bad credit to get cash fast and improve their credit rating at the same time.
What do I do if I need cash urgently?
You can apply for a Same Day Loan or check out our blog on how to earn money fast for ways to get urgent cash when you need it.
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.
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.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
