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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.

Get up to $5,000 in 3 easy steps!

1. Complete an online application in minutes!
2. We review your application instantly.
3. Once you’ve electronically signed the contract, we’ll send the money directly to your bank account!
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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

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 Australian Audiobooks
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Swoosh Finance Star Rating Australian Audiobooks
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Swoosh Finance Star Rating Christian, Ellenbrook WA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
Swoosh Finance Star Rating Debra, Mt Baker SA
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
Swoosh Finance Star Rating Doonside NSW
Yayy! Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Doonside NSW
Swoosh Finance Star Rating Karlie, Australind WA
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Swoosh Finance Star Rating Nicole, Moe VIC
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Swoosh Finance Star Rating Emmanuel, Blacktown NSW
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
Swoosh Finance Star Rating Norm, Mani Beach QLD
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Swoosh Finance Star Rating Ryan, Anna Bay NSW
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
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

Why Aussies are choosing Swoosh

Local Customer Service

Australian owned & operated

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Hassle-Free Process

100% online & no paperwork

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Reputable Lender

No hidden fees & charges

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Confused? Don’t be. We got you!

View all FAQs
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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.

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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.

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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

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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.

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