Swoosh to
the rescue

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

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

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.

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

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.

Swoosh does conduct a credit check as part of our responsible lending practices. But we always offer a fair go to everyone, even those with bad or very bad credit. That’s why we always use human assessors, not computers, to review each application.

Read more: Do Cash Loans Without Credit Checks Really Exist?