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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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The trusted choice for thousands of Aussies

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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.

Your trusted small loans lender

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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Make one simple loan payment

Debt Consolidation 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

Need fast cash ASAP?

Same Day Loans

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Secure that new rental

Bond Loans

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Secure your loan & still drive your car

Loans Against Cars

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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 Garry Capewell
My refinance loan application was very easy and straight forward to navigate and complete and the prompt response to the application was very pleasing, very professional and with a fast turn around. Special mention going out to your staff member Coen for his prompt responses and professionalism in regards to my application.😊
Garry Capewell
Swoosh Finance Star Rating numi
My experience with Hannah and Kate was so great. They both helped me through with my application very respectfully and helped went through the steps to get me through to the final steps to assess my application. Swoosh. Finance is the best
Swoosh Finance Star Rating Helen T
Ally has been spot on with her responses! Super and fast and reliable via email. She has been helpful throughout my application. 10/10 would recommend asking for ALLY if you choose to go with Swoosh.
Helen T
Swoosh Finance Star Rating Nai “Friszy01” Frisjina
My experience with swoosh has been a good one. Stacey and Cohen have been very helpful towards helping me applying for a loan. I would recommend this services to my friends and family. I would defiantly come back in the future. Thanks swoosh team you guys have been very helpful.
Nai “Friszy01” Frisjina
Swoosh Finance Star Rating Michael Higgins
Very happy with the help I got from the lady on the phone whose name was jade. Would like a bit more updates on the progress but all in all very happy with the people.
Michael Higgins
Swoosh Finance Star Rating Jo Naisbitt
Great experience with this finance company over the years. They always do everything they can to help you and the turn around is very fast. Coyen is super helpful and a pleasure to deal with. His impeccable customer service and friendly nature is an asset to your business. Keep up the great work Coyen and Swoosh.
Jo Naisbitt
Swoosh Finance Star Rating Brendan Hedges
I’ve had a very stressful week and when I needed help I went to swoosh finance and they were swift to give me the helping hand I needed, Jelena was especially super helpful with quick responses and made the whole process very easy. Will definitely go through swoosh again 👍
Brendan Hedges
Swoosh Finance Star Rating Kaitlyn Rea
Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️
Kaitlyn Rea
Swoosh Finance Star Rating Dino Mcpherson
Olivia was very helpful. Kept it simple for me to understand. Responded to my replies within minutes. 10 out of 10 for being professional and straight forward with what I needed to do. Have a good day!
Dino Mcpherson
Swoosh Finance Star Rating Graham Cowley
I would like to thank Kate for her help today much appreciate her effort. She is very easy to deal with and very helpful. Thank you
Graham Cowley

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.


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

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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