Loans Against Cars

When you’re in a bind and need fast cash now, a loan against your car might be the best option.

Cash loans against cars allow you to receive extra cash, all because you have an asset of value.

And at Swoosh, we make the process easy.

Fill out an online application today for a quick answer.

How does the process work?

When you’re looking for an online secured loan, the process is simple.

You fill out an application, indicating that you own a vehicle, like a motorcycle or car, with no finance owing or encumbrances.

Because you own your vehicle, you have access to more loan options, helping you get the cash you need today.

With Swoosh, it’s only 3 steps

We like to keep life simple and stress-free.

Here is our speedy 3-step process:


Apply online (usually takes less than 5 minutes)


Receive quick loan approval


Your cash is transferred to your bank account!

Cash loans secured against car

Online loan eligibility

We’re all about mates helping mates.

That’s why we only have 4 criteria for our loans.

You must be:

  • At least 18 years of age
  • A permanent Australian resident
  • Employed for 3 months or more
  • The owner of a vehicle registered in your name, with no finance owing or encumbrances

Apply today for a super speedy answer.

Remember that applications can be paused or stopped at any time — there are no obligations.

Structure for loans against cars

At Swoosh, we give you all of the information upfront.

Here are all of the details on our secured loans:

Online cash loan amount$2,100 to $4,600
Application fee$0 (even if your application is not approved)
Standard establishment fee$400
Annual interest48%
Term length options12 to 24 months
Flexible repayment optionsWeekly, fortnightly or monthly (based on your paydays)

Interest rate details

Our interest rates are fixed for the term of the loan — making things easy and straightforward.

Rates calculated daily based on the outstanding balance and are applied to your account monthly.

Daily interest is calculated by dividing the annual interest rate by 365.

Debit dishonour fee

A $25.00 debit dishonour fee may be issued if a scheduled payment is returned unpaid.

You must still continue to pay the usual interest charges as described.

Why get a loan against your car?

Swoosh customers find that taking a loan against their car is perfect for situations like:

  • Unexpected expenses like home repairs or medical bills
  • Family emergenices and expenses
  • School tuition and training programs
  • Upcoming weekend, holiday, or travel plans
  • Anything else that’s urgent and can be repaid later

The Swoosh difference

At Swoosh, we believe in mates helping mates.

We understand unexpected events and emergencies happen that you’re unable to budget for.

When you choose Swoosh for your online loan, you benefit from these services:

  • An easy online application that can be completed from a smartphone, tablet, or computer
  • Super speedy loan approval (usually within 1 hour during business hours)
  • Direct deposit of the funds into your bank account
  • Flexible repayment options
  • A 100% secure online process
  • No hidden fees or nasty surprises
  • Friendly and helpful customer care staff

Our commitment to responsible lending

At Swoosh, we always practice reliable, responsible, and trustworthy lending.

We share our cost structures upfront, and only approve applications when we know they can be repaid.

Unlike other digital lenders, every application is reviewed by a professional (human!) assessor — always following responsible lending criteria.

No worries

We are here to help — not add more stress.

We communicate details up front and stay in touch with you throughout your loan term.

When you have questions, you can contact our easily accessible Customer care team.

Loans against car

Frequently asked questions

Check out our FAQs and make sure all of your questions are answered.

You can also read our Swoosh Money Gym Blog for straightforward answers to everyday money issues.

Personalised support

Our Customer care team is trained to help people, no matter their circumstance.

If you have any questions or want to review your personal situation with a professional, contact us today.

Say ‘bon voyage!’ to stress

Apply for a Swoosh loan today!

We’ll give you an answer in a matter of minutes (during normal business hours).

Get a loan in
3 easy steps.

Apply Now

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