How It Works

At Swoosh we keep things simple.

We make the process easy and quick — all from the comfort and security of your own home or mobile phone.

Our Secured Medium Loans range from $2,100 to $5,000 and can be used for whatever your needs are.

Swoosh’s 3 quick and easy steps

Let us do the work!


Apply online

Complete an online application on your mobile phone, computer or tablet.

Applications usually take less than 5 minutes.

Swoosh uses the latest and safest banking technology to retrieve 90 days of bank statements online in seconds.

Conditional approval will be sent almost immediately during business hours. If applying outside of business hours, we'll respond within the next business day.


Receive fast approval

Approval of your loan is provided within 60 minutes (during business hours).

The decision will arrive promptly — right in your inbox.

There are no waiting periods, awkward phone calls, or surprise document requests.


Cash is transferred to your bank account!

After an approved application, an offer from Swoosh is sent to you via email.

Once you've reviewed the details and signed the contract, we'll send the money directly to your bank — usually within 1 hour!

You'll be notified when your funds have been transferred electronically to your account.

Payment timing

Once approval is issued and a contract signed, we send the funds directly to your bank.

If your bank is a ‘same day payment capable bank’ (Commonwealth Bank, Westpac, NAB or ANZ), your funds will show in your account within one business day.

If your bank is not a ‘same day payment capable bank,’ your funds may not appear in your account for 24-48 hours.

What it costs

Different than other lenders, we work with honesty and transparency.

Review the details about our cost structure on our What it costs page.

Loan eligibility

To be eligible for a loan, you must meet the following criteria:

  • Be 18 years or older
  • Be a permanent Australian resident
  • Be employed for at least 3 months
  • Own a vehicle registered in your name, with no finance owing or encumbrances

If you meet these requirements, apply online for a fast answer.

Questions and assistance

Our customer care team is ready and available to help — when you need it most.

You can also review our Frequently Asked Questions.

Getting started

To apply, you’ll need:

  • Your internet banking details (so we can retrieve a read-only report of the last 90 days)
  • Commonly required personal details such as address, financial commitments, and employment information
  • Your BSB and account number (so your funds can be easily deposited)


Swoosh is committed to your safety and security — no matter what.

We have the latest systems to ensure your bank and personal information is secure throughout the entire process.

Proviso, our service partner, has taken every required security step, including 256-bit bank level data encryption, designing an safe ‘read-only’ service, and closing the connection to each bank immediately after the data has loaded. has also been independently tested by an industry leading security service.

Want to work with a lender you can trust?

Apply online with us today!

Get a loan in
3 easy steps.

Apply Now

Need help?
Contact us

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How it works.

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Frequently asked questions.

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