Responsible Lending

We take our lending responsibilities seriously.

We put you first — making sure we only approve you for a loan we know you can repay.

Our highly secure and confidential system ensures you have the money you need — without any hassle or surprises.

Commitment to responsible lending

We handle each Swoosh application with careful consideration.

We will only approve your application if we know you can repay your loan.

We practice reliable, responsible, and trustworthy lending — each and every time. 

Your payments will be direct deposited on-time to your account, using our highly secure system.

The Swoosh difference

We help you get fast cash — and we make sure you don’t have to worry about a thing. 

Unlike other lenders, we utilise professional (human!) assessors to review your application.

Our team of assessors works under our responsible lending parameters — reviewing each loan application on its merit.

Transparency and communication

We provide ourselves on communicating all details and costs upfront, so there are no surprises.

We continue to communicate with you throughout your loan so you know exactly when your repayment dates are.

In the case that you feel unable to make your repayment obligation, you can always reach out to our Customer care team for support and assistance. Be sure to give us as much advance notice as possible.

Dedication to the law

By law, we’re required to make reasonable inquiries about the borrower’s requirements and objectives in relation to any credit contract recommended by us; and about the borrower’s financial situation.

We also must undertake reasonable inquiries to verify the borrower’s financial situation, in order to make a final assessment as to whether any credit contract recommended by us is unsuitable.

We can only provide borrowers with a credit contract which we deem is not unsuitable, assessed on the basis of the borrower’s current financial situation.

In verifying a borrower’s financial situation, we may conduct a credit history check, peruse bank statements and consider other relevant information.

Our promise to you

Swoosh acts with honesty and integrity — and treats all potential borrowers fairly and reasonably.

We only provide an applicant with a credit contract when the applicant can afford to repay the loan without causing substantial hardship.

We’re committed responsible lending, governed by Chapter 3 of the National Consumer Credit Protection Act.

Policy information

Swoosh operates as a responsible lender, ensuring you have clear and accurate information at all times.

To view more information, visit our policy pages.

You can also see answers to commonly asked questions on our FAQs page.

Our Customer care team

We hire people who are ready and willing to help.

Our team of professionals works hard to get you the money you need — and fast.

Contact our Customer care team with any questions or concerns.

Choose a reliable lender

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Our process is easy, speedy — and always honest.

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