When life throws you a curveball it’s Swoosh to the rescue
Need cash, fast? Swoosh offers quick cash loans, even for those with bad credit. You can get a loan against your car and still drive it. No hidden fees or early repayment charges – just financial help when you need it most.
Why Aussies are choosing Swoosh
The trusted loan choice for thousands of Aussies
Check out some of our popular personal loans
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist.
Apply online in minutes with no application fees
Need a loan for something else? No worries!
No matter what you need quick cash for, we’re here to help. Explore some of our other short term loan types below!
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.
Get paid instantly with 
Money delivered straight into your bank account – no matter who you bank with.
Am I eligible for a Swoosh cash loan?
At Swoosh, we keep things nice and simple. As long as you meet these four criteria, you can apply for a loan:
- 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
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.
Can I get the cash instantly?
Looking for instant cash? We offer PayID, which means that as soon as your loan is approved and you return the signed contract, you can have the money deposited directly into your bank account.
Can I get a loan with no credit history?
Yes! We offer loans for people with no credit history, no co-signer needed.
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 a top-rated private Australian lender.