Easy Online Loans With Fast Approval
Hit with an unexpected bill or looking for a payday advance and need a quick online Loan? Swoosh can help you out with any fast cash needs. Our small personal loans are secured using a car (or other vehicle), so you can get cash and still drive your car. Repayments align with your payday, so you never have to worry about missing a payment. Plus, you can pay off your loan early with no early exit fees.
Get started with our easy online loan application for same day cash.
Apply for $2,200-$5,000 today with a local Aussie direct lender!
Apply online to borrow money 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 an online loan?
*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.
Read more: How to get quick online approval
Why Choose Swoosh?
If you’re looking for the easiest online loan in Australia, check out our reviews, and you’ll know exactly where to go!
Application reviewed in minutes… by actual humans, not computers!
Am I eligible to apply?
We keep things simple, to be eligible to apply for a small online loan 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 online personal loans.
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
Do you do online loans for bad credit?
Yes! We offer easy loans for a wide range of credit scores. We know that your situation can improve faster than your credit score. So we assess loans based on your current situation. That’s why we’re able to offer online loans to bad credit applicants who meet our lending and eligibility criteria. This alternative approach allows us to offer a second chance to those who have been affected by their credit history.
FAQs
Can I get instant approval?
Although we offer fast loan approval, we cannot offer instant outcomes. Because we are a responsible lender, we go through an approval process to ensure applicants are capable of making their loan repayments without suffering financial hardship. Swoosh always uses real people to assess your loan application so that you have to best chance at approval and, in most cases, we can approve your application the same day
You can, however, get paid almost instantly once approved with PayID Instant Loan Transfer.
Can I get a loan if I’m on Centrelink?
Yes, we can offer loans to those earning Centrelink. To qualify, you must also have been employed for at least 3 months and meet our eligibility and lending criteria.
Are online loans legit?
Online loans are 100% legal. However, as with anything, when looking for online loan providers you need to do your research to make sure you’re choosing a reputable lender. Swoosh has been helping out Aussies with quick cash since 2014 and our team is led by Brent McIntyre who has spent 20 years in the finance industry. Find out more on our About Us page.
Can I get a 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.
When will the cash be deposited in my account?
Once you return a signed contract electronically, we’ll deposit the funds directly into your bank account.
If your contract is returned by 3:30pm AEST time, the cash will be transferred to your bank overnight. If you’re with a ‘same day payment capable bank’—such as Commonwealth Bank, Westpac, NAB or ANZ—your funds will appear in your bank account within one business day.
Find out more: Same Day Loans
Why are online loans so popular?
Online loans are simple and quick—allowing you to receive your cash as soon as today.
What’s the easiest loan to get approved for?
Getting a small secured cash loan from Swoosh is super easy. It’s 100% online and you can apply at any time.
Can I get a cash loan without a credit check?
As a responsible lender, Swoosh does not offer no credit check loans. But because we service both people with bad credit and people with no credit history, this won’t impact most people’s chances of approval.
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
