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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

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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 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
Swoosh Finance Star Rating Eric L Rose
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric L Rose
Swoosh Finance Star Rating Mena Baines
Hannah was very helpful and always got back to me promptly
Mena Baines
Swoosh Finance Star Rating Pacey Tusiupu
Stacey and Ana from swoosh was very helpful in my enquiry and assisting me over a 2 day period to process my application. She made this experience very easy for me and her customer service is next level. Would definitely recommend asking for Stacey or Ana for any future applications. Thankyou so much for your help
Pacey Tusiupu
Swoosh Finance Star Rating Belinda Whitby
I would like to thank Ana for making my application so easy and fast, very happy with this company they have always helped me when ever I have needed
Belinda Whitby
Swoosh Finance Star Rating Nathan Tivalu
Fast and officiant, Hannah was really great always kept updating me on what I needed to do, definitely a great experience, please give her a payrise
Nathan Tivalu
Swoosh Finance Star Rating Madison Coster
Carin was extremely helpful + personable throughout my experience. A great asset to the team!
Madison Coster
Swoosh Finance Star Rating Tommy Montana
Carin was great to deal with thanks
Tommy Montana
Swoosh Finance Star Rating Sherwin Zuidema
Fast service. Thanks Ana
Sherwin Zuidema
Swoosh Finance Star Rating Steve Bock
Tamara at Swoosh has been very very helpful Steve
Steve Bock
Swoosh Finance Star Rating Andrea “Andy dann” Dann
thanks Sophie for your prompt response well done😊
Andrea “Andy dann” Dann
Swoosh Finance Star Rating Ibrahim Omay
Wonderful team, Carin was great to deal with, made it all a simple and easy procedure.
Ibrahim Omay
Swoosh Finance Star Rating Sena Dire mulata
I am happy with the prompt service of Swoosh. They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way. Thank you very much.
Sena Dire mulata
Swoosh Finance Star Rating Julie Vaigafa
Carin has been fantastic through the application process. Keep up the great work Carin. 😁
Julie Vaigafa
Swoosh Finance Star Rating James Hocking
Great to deal with and easy to apply. Very understanding of your individual situation Big thanks to Carin for her help :-)
James Hocking
Swoosh Finance Star Rating NUGGET gaming
Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.
NUGGET gaming
Swoosh Finance Star Rating Luke lee Boslem
I have received great assistance from Ana and I'm happy with the outcome of my application
Luke lee Boslem
Swoosh Finance Star Rating Danz Mojae
I am happy with the prompt service of Swoosh. They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way. Thank you very much.
Danz Mojae
Swoosh Finance Star Rating Beau
Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!
Swoosh Finance Star Rating Tanielle Oleary
I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana
Tanielle Oleary
Swoosh Finance Star Rating Nookorn Young
Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance
Nookorn Young
Swoosh Finance Star Rating farizzudin mohamad taib
The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!
farizzudin mohamad taib
Swoosh Finance Star Rating Stephen Cornish
Very happy customer have had nothing but good service when topping up
Stephen Cornish
Swoosh Finance Star Rating Julie Fisher
Always very friendly customer service and always very prompt.
Julie Fisher
Swoosh Finance Star Rating Brittney
Carin was very helpful 😁
Swoosh Finance Star Rating William Schweinheim
Great customer service!
William Schweinheim
Swoosh Finance Star Rating Sam Blaschek
Very happy with the service have used these guys a few times and will keep on using them
Sam Blaschek
Swoosh Finance Star Rating Rebecca King
Good fast service and reliable credit facility. Highly recommend Swoosh finance
Rebecca King
Swoosh Finance Star Rating Robert Jarrett
Excellent service with minimal fuss, highly recommend
Robert Jarrett
Swoosh Finance Star Rating adele Wright
Very prompt and professional. Would borrow from them again
adele Wright
Swoosh Finance Star Rating samantha french
Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌
samantha french
Swoosh Finance Star Rating jasmin andrews
Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me Thank you swoosh
jasmin andrews
Swoosh Finance Star Rating Jay E
At first the application was rejected but following day was advise it will be reassessed. Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend
Jay E
Swoosh Finance Star Rating Cory Sims
Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation. He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement. I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client. Kindest regards CJS
Cory Sims
Swoosh Finance Star Rating Livia Faatiarau
Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.
Livia Faatiarau
Swoosh Finance Star Rating Michael McQuade
Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!
Michael McQuade
Swoosh Finance Star Rating PRISCILLA JANE
My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.
Swoosh Finance Star Rating Sarah Tepuni
Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours. Very responsive, very happy with the outcome.
Sarah Tepuni
Swoosh Finance Star Rating Ryker Natural Products
Superfast , no delays once already have/ had a loan
Ryker Natural Products
Swoosh Finance Star Rating Winifred Angel Roycroft
Winifred Angel Roycroft
Swoosh Finance Star Rating Holly Toolin
Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.
Holly Toolin
Swoosh Finance Star Rating Carol Schobbe
After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.
Carol Schobbe
Swoosh Finance Star Rating Nikita Gorogo
Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂
Nikita Gorogo
Swoosh Finance Star Rating Denis V
Swoosh was really good in understanding and service was great and pretty quick as well.
Denis V
Swoosh Finance Star Rating James Cross
They did good job and at a reasonable rate.
James Cross
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

Learn more
Hassle-Free Process

100% online & no paperwork

Apply Now
Reputable Lender

No hidden fees & charges

Learn more

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.

Apply here