Holiday Opening Hours Click here

When life throws you a curveball it’s Swoosh to the rescue

Swoosh Finance Coin Swoosh Cash Credit Card Image

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.

Apply Now
 Floating Assets

The trusted choice for thousands of Aussies

Calculate your loan repayments

How much do you need to borrow?
Paid back over?

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.



Interest & Fees


Total to repay


Weekly Repayment


Get your loan!

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

Learn more
Get a fair go on your loan application

Bad Credit Loans

Learn more
Make one simple loan payment

Debt Consolidation Loans

Learn more

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

Learn more
Secure that new rental

Bond Loans

Learn more
Secure your loan & still drive your car

Loans Against Cars

Learn more

Apply online in minutes with no application fees

Learn more

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 Ngaire Kena
I thank Naomi and Sarah in Loss and recoveries for Swoosh for there super understanding when I needed it the most. I couldn't get matters resolved without their help and understanding and my experience I was affected by my previous employer. Sometimes I thought it would never lift from me the experience of being let go from my job at the last minute when I didn't see it coming. I did a stupid thing and I reported to my employer about incidents that went wrong and it was apparent at the time of being told numerous things that I to me personally reporting and stepping into the shoes of a safety officer when accidents can go wrong and I was hired a level 2 nursery Worker in Propagation that I knew that it was the end for me coming to the decision to never look for further employment in Horticulture that they unfortunately know of that is completely misunderstood by employees and the employer. To add to that I am especially grateful to Sara for my 2 month hold on my account until I get another job that I'm very please I received in a email today. It took alot of progress but the result was substantially good to Start over again until I get back on my feet. I would not wish this upon anybody to ever experience the ordeal of how bad the work industry can get when reporting really can get you terminated because its just shredded paperwork and knowingly that the company Instant Green Nursery honestly haven't got any money and there very much in debt up to there ear lobes. That the expense goes on expensive holidays overseas when it concern management and its a wonder why they have debts left right and centre that they can't afford to pay for there staff employees. Again Sara you are the greatest for just putting up with my emails I sent you from day dot. 😊 You are a fanatic person. Thank you so much.
Ngaire Kena
Swoosh Finance Star Rating Vin HUCH
Kacey, was awesome very helpful and kept me in the loop the entire time doing his best to get all my info etc sorted.
Swoosh Finance Star Rating Nesia Honey
Isabella who looked after me during the process was really straightforward and made it easier to understand. Always got back to me faster than most, very good!
Nesia Honey
Swoosh Finance Star Rating Jaye Hema
I've had nothing but amazing service. Awesome customer support and available anytime I have a query. Keep doing what you are doing. FABULOUS👍👍
Jaye Hema
Swoosh Finance Star Rating Emily Jayne
I spoke with Annie this morning via live chat in regards to an urgent matter. I have struggled to get an answer the last few business days. I explained my concerns and advised what I needed done by COB today. She listened to me and confirmed all details in regards to correspondence. She advised she personally messaged a delegate to action my request and advised this can be done today. Her customer service was fantastic. She listened to each of my concerns and actioned it accordingly. I was concerned my problem wouldn’t be resolved however she made me feel at ease with her prompt response. She’s fantastic
Emily Jayne
Swoosh Finance Star Rating jo-anne scott
I always have no trouble going through the process of a loan, especially with Jade helping me meet the requirements I need to go forward. Jade is courteous, patient, and replies promptly. Always a no fuss easy process
jo-anne scott
Swoosh Finance Star Rating Michelle Garth
The Swoosh Team.. This is not the first time with this company.. It has always been a successful outcome for me when it comes to finance with Swoosh.. HUGE thanks to *Stacey in VIP * Very professional and extremely helpful and polite.. A BIG thanks to *Brandon* in finance for helping with the final outcome. .. In a bind? Try Swoosh.. You won't believe how wonderful and hassle free they are to help when you need it the most. Michelle Garth
Michelle Garth
Swoosh Finance Star Rating kimmee Nguyen
Thank you ever so kindly for all your efforts on this journey, to the team at Swoosh Finance! Well done! Thank you Harry!😊 Thank you Ally Young🌸 Cheers, Kim 🎀
kimmee Nguyen
Swoosh Finance Star Rating Loretta Ferraloro
Kacey was responsive (returned my call even without me leaving a message), was very professional and her demeanor was bubbly which is what you want from a service provider. Was informative and did not leave me feeling as if I had missed anything as Kacey ran through what next steps would look like
Loretta Ferraloro
Swoosh Finance Star Rating Nessa Gasu
I spoke to Jelena, and she was really helpful and understanding, excellent customer service and professionally all around. Thank you Jelena you've made my day with this simple phone call. Thank you😀👏
Nessa Gasu

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

Swoosh testimonials - Cash Loans Apply Now
Reputable Lender

No hidden fees & charges

Learn more

Get paid instantly with

Money delivered straight into your bank account – no matter who you bank with.


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

Local direct lender

Online Loans

Learn more
Apply online 24/7

Holiday Loans

Learn more
Need money now?

Emergency Loans

Learn more

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