Online Loans

Need a fast online loan?

Apply with Swoosh today!

We offer online loans from $2,100 to $5,000 with flexible repayment options.

Our streamlined process gets you cash usually within a business day — and sometimes as fast as one hour.

How do I apply?

At Swoosh we keep things simple.

Our 100% online application takes less than 5 minutes — and can be done from a mobile phone, tablet, or computer.

After a few questions, like how much money you need, we’ll handle the rest.

Online loan eligibility

To apply for a Swoosh loan, you need to meet these 4 criteria:

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

Because there are no obligations with Swoosh, our application can be paused or stopped at any time.

A need for speed

With our streamlined process, applications take less than 5 minutes — and approval usually comes within 1 hour.

Our loan professionals know how important it is to get you cash fast.

Online Loans

When will the cash be deposited in my account?

Once you return a signed contract electronically, we’ll deposit the funds directly into your bank account.

If your contract is returned by 3:30pm AEST time, the cash will be transferred overnight.

If you’re with a ‘same day payment capable bank’ — such as Commonwealth Bank, Westpac, NAB or ANZ — your funds will appear in your bank account within one business day.

Why are online loans so popular?

Online loans are simple and quick — allowing you to receive your cash as soon as today.

Swoosh customers utilise their small personal loans for:

  • Unexpected medical bills
  • Family expenses
  • Car, truck, or van repair
  • Home improvements and renovations
  • Holidays, travel, concerts, and excursions
  • Help before the next payday
  • And more

Online loans give you the cash now, for something that can be repaid later.

Why choose Swoosh?

Different than other cash loans online, we make our process simple — and we make you the priority.

We offer the most streamlined process and the friendliest customer care team.

Our systems are highly secure and keep your information strictly confidential.

Through a quick application, our online loans can have funds in your account in a matter of hours.

At Swoosh, we:

  • Are on-time and reliable with payments
  • Ensure an easy and straightforward process
  • Offer quick approval with 100% online service
  • Partner with you whenever you need it

Online loan amounts

We offer secured loans from $2,100 to $5,000.

Tell us how much you need on your application and we’ll take care of the rest.

Flexible repayment options

To make life easier, we offer repayment schedules that are personalised to you.

All repayments are aligned with your paydays — and can be auto-set weekly, fortnightly, or monthly.

Term lengths for online loans

Term lengths vary based on loan amount and your preferences.

We offer options from 12 to 24 months.

Our speedy 3 step process

At Swoosh, we keep things simple.

Here’s our speedy 3 step process:


Apply online with 3-5 minutes


Receive quick loan approval


Your cash is transferred to your bank account

Most Swoosh customers apply online through their smartphone, making the process faster than ever.

Online Loans

Online loan cost structure

At Swoosh, we communicate upfront and honestly.

With us, there are no nasty surprises or hidden fees.

Here’s what to expect:

Medium term secured loan ($2,100 to $5,000)
Application fee: $0 (even if your application is not approved)
Standard establishment fee: $400
Annualised interest: 48%
Term length: 12-24 months
Direct debit dishonour fee:
A $25.00 fee may be payable if a scheduled direct debit is returned unpaid.

Interest rates

Swoosh interest charges are calculated daily based on the outstanding balance.

Interest is applied monthly to your account and interest rates are fixed for the term of the loan.

We lend responsibly

Different than other online lenders, Swoosh utilises professional (human!) assessors to review your application. 

We will only approve your application if we believe you have the ability to repay your loan.

We practice responsible, reliable, and trustworthy lending. 

Got questions?

Contact our Customer Care team to get your questions answers, or to discuss your individual case.

Say goodbye to stress

End the worry of bills, expenses, and plans with friends.

Apply online for a Swoosh loan today.

Get a loan in
3 easy steps.

Apply Now

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Contact us

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