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When life throws you a curveball it’s Swoosh to the rescue

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Need cash, fast? Swoosh offers easy and quick cash loans, even for those with bad credit. No hidden fees or early repayment charges – just financial help when you need it most.

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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.



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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.

Am I eligible for a Swoosh loan?

At Swoosh, we keep things nice and simple. As long as you meet these four criteria, you can apply for a loan.

How it Works

Be at least 18 years old

Permanent resident or valid visa holder of Australia

Own a vehicle registered in your name

Employed for at least 3 months

Apply online in minutes with no application fees

Learn more

Want to chat to someone?

Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist


Swoosh Finance Star Rating adrian brewer
i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.
adrian brewer
Swoosh Finance Star Rating daniel s
By far the best loan experience out of four others that I have dealt with. All staff are great ive dealt with are great. Fast responce through bot and email with up to date information so I wasn't left wondering. 10/10
daniel s
Swoosh Finance Star Rating John Knoll
Very quick and so easy thanks
John Knoll
Swoosh Finance Star Rating Lyndell Gibson
Quick and easy
Lyndell Gibson
Swoosh Finance Star Rating darren archer
Very helpful and fast process. I'd recommend them to anyone as their repayments are fair and affordable. Thank you Swoosh.
darren archer
Swoosh Finance Star Rating Allan Mahoney
Easy to deal with and done in quick time.
Allan Mahoney
Swoosh Finance Star Rating Nicole Halliwell
Ryan was extremely Friendly and helpful during the whole process
Nicole Halliwell
Swoosh Finance Star Rating Jeralie Emnace
Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless
Jeralie Emnace
Swoosh Finance Star Rating Kessy Tav
Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++
Kessy Tav
Swoosh Finance Star Rating Hızır reis Reis
Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜
Hızır reis Reis
Swoosh Finance Star Rating Steven Fitzgerald
Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…
Steven Fitzgerald
Swoosh Finance Star Rating Mia Toomey
I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.
Mia Toomey
Swoosh Finance Star Rating Carol Woodcock
Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again
Carol Woodcock
Swoosh Finance Star Rating Tony Mudge
Good friend lily people an quick approval
Tony Mudge
Swoosh Finance Star Rating Derek Walker
Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap
Derek Walker
Swoosh Finance Star Rating Renae Bowerman
Greatest company to deal with!!
Renae Bowerman
Swoosh Finance Star Rating Laura C
Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you
Laura C
Swoosh Finance Star Rating Grant Bottrell
Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽
Grant Bottrell
Swoosh Finance Star Rating Luke Wilson
Was great to work with was told it would be 24 hours before I found out as was the end of the day . By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes. Thanks
Luke Wilson
Swoosh Finance Star Rating muni howard
I recommend this company.
muni howard
Swoosh Finance Star Rating V Vegh
Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online
V Vegh
Swoosh Finance Star Rating Mark Atha
Excellent start to finish experience. The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.
Mark Atha
Swoosh Finance Star Rating Nicki Bunn
They took the time to look at my application and gave me options. Only thing I don’t like as an existing customer is if u wanna pay extra off ur loan or increase your repayments they charge u a fee
Nicki Bunn
Swoosh Finance Star Rating Maria Cabrera
Maria Cabrera
Swoosh Finance Star Rating Dimitrios Velingos
Dimitrios Velingos
Swoosh Finance Star Rating Jason Stanford
Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.
Jason Stanford
Swoosh Finance Star Rating Karyn Quinn
Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.
Karyn Quinn
Swoosh Finance Star Rating Tracey Grounds
Tracey Grounds

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.

Why Aussies are choosing Swoosh

Local Customer Service

Australian owned & operated

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Hassle-Free Process

100% online & no paperwork

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Reputable Lender

No hidden fees & charges

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Confused? Don’t be. We got you!

View all FAQs
How long will it take for my loan to be approved?

Approval of your loan is provided within minutes of you providing the required information (during business hours)*. The decision will arrive promptly – right in your inbox.

Can I get a Swoosh loan with bad credit?

Yes, it is possible for you to receive a secured loan with bad credit at Swoosh. We look at the ‘here and now’ of your financial situation, assessing everyone on an individual basis. We want you to receive the assistance you need, so we look at more than just your credit history.

We offer online cash loans after evaluating current bank statements and, assessing whether the applicant has the ability to repay the loan. This way we are comfortable offering bad credit loans to those who have been impacted by their past, getting them the cash they need.

How much does it cost?

We’re transparent with our fees. There are no hidden fees, so you can make the best decision. Find out more here: Payday loans rates and fees

How do I receive my funds and how long will it take?

Your funds will be dispatched within one business day of signing your contract, Swoosh will electronically transfer your funds into your bank account.
If you return your signed contract by 3:30pm (AEST) time, your funds will be transferred overnight.

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.

Apply here