A $3000 loan from Swoosh Finance is a fast, easy, and accessible way to get cash today. Our 100% online form makes it simple to apply from anywhere in Australia and get same day outcomes. Whether it’s for urgent car repairs, surprise medical or dental bills, or anything else, we’re here to help.
What are $3000 loans?
A $3000 loan is a type of small personal loan. It allows you to borrow $3000 for any purpose and pay it off in instalments.
Swoosh offers short-term loans for 3000 dollars with flexible repayment options. All our loans are secured by a car or other vehicle, which helps us lend to a wider range of customers and credit ratings. We have a 12-month repayment period with no extra fees if you decide to pay your loan off early. Apply for an online loan today to get money fast.
You can also check your repayments before you apply with our online repayment calculator.
How to get 3000 dollars fast
Apply for a quick $3000 Loan with Swoosh in 3 easy steps:
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Complete an online application on your mobile phone, computer or tablet. It only takes minutes to submit.
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Get an outcome within 60 minutes (during business hours)*.
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An offer is sent to you via email if you’re approved. Once you sign the contract, we’ll send the money directly to your bank account!
*Speed of approval is conditional to receipt of all requested relevant documents/information.
Am I eligible?
To be eligible for a Swoosh cash loan, you only need to meet the following simple criteria:
- At least 18 years old
- Employed for at least 3 months
- Permanent resident or valid visa holder of Australia
- Own a vehicle registered in your name
Fees and interest rates
Our $3000 Loans are designed to be paid off over 12 months. There are no hidden fees and charges, and no penalties for paying back your loan quicker, so you can pay it back as soon as you are ready.
- $0 application fee (even if your application is not approved)
- Establishment Fee – $400 (included in the loan)
- PPSR and Security Check – $20 (included in loan)
Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is returned unpaid, we may issue a $39.95 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay usual interest charges as described.
Find out more: Payday Loans Rates and Fees.
How quickly can I get approved?
When you need cash urgently, you don’t want to wait around. During normal business hours, approval for our quick loans can come within 1 hour of receipt of the required information from you.*
Find out more about how to get a loan with Swoosh.
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Can I still get a $3000 loan with poor or bad credit?
Yes, it is possible to borrow $3000 with Swoosh even if you have a bad credit score. As responsible lenders, we do conduct a credit check, but at Swoosh, we see your credit history as exactly that – history. We believe in giving everyone a fair go and consider every application on its individual merit.
Who is Swoosh Finance?
Since 2014, Swoosh Finance has provided fast, convenient and responsible loan services to Australians from all walks of life. Based in South-East Queensland, we specialise in small loans and secured finance options. We look at each individual to see how we can best help them and their particular situation.
Our lending platform was built on:
- Giving a hand when it’s needed most
- A speedy approval process and easy online application
- Quick overnight electronic deposits
- Trust, security and transparency
- Developing ongoing partnerships
- Fast friendly service
FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
Yes, if you have other loans you can still apply for a quick cash loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.
If you want to roll multiple loans into one, you can apply for a debt consolidation loan.
Swoosh cash loans need to be secured by a vehicle registered in your name. This is generally a car but it could be another type of vehicle as well, like a boat or motorbike.
Swoosh always practises responsible lending. You’ll be asked to list a reason for your application.
The short answer is that a loan rejection doesn’t hurt your credit score. However, if you continue to apply for loans and continue to be rejected in a short space of time, this builds up numerous “hard enquiries” regarding your credit, which can lower your score.
When you enter login information on our website, it’s processed through Secure Socket Layer (SSL). This means an encrypted connection is always created between your browser and our servers. And it’s kept encrypted at all times.
We only store information required by law which saves you the trouble of updating, syncing or uploading financial information manually.
