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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. You can get a loan against your car today and still drive it! 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.

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Extra cash whenever you need it

Payday Loans

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Get a fair go on your loan application

Bad Credit Loans

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100% online application & approval

Online Loans

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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

Secure your loan & still drive your car

Loans Against Cars

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Need fast cash ASAP?

Same Day Loans

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Secure that new rental

Bond Loans

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Apply online in minutes with no application fees

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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 sam johnston
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh Finance Star Rating Naseer Mansour
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
Great service..very helpful and hands on with customers. Process went smooth n fast. Thanks you Ana for your great help .much appreciated
Swoosh Finance Star Rating Shayne Khan
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...
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.

Why Aussies are choosing Swoosh

Local Customer Service

Australian owned & operated

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Hassle-Free Process

100% online & no paperwork

Swoosh testimonials - Cash Loans Apply Now
Reputable Lender

No hidden fees & charges

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Get paid instantly with

Money delivered straight into your bank account – no matter who you bank with.


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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.

Find out more: How To Get A Loan


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.

Learn how a personal loan could help improve your credit score

Personal loans impact specific parts of our credit history. We cover all the info you need to know how to use a personal loan to help improve your credit score.

Read more: Should you get a personal loan to improve your credit score?

*Based on Equifax scoring model. Scoring models can be subject to change and differ between agencies.

How credit score is calculated in Australia | Swoosh Finance

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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.

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