Sometimes a relatively small personal loan – like $4000 – can make a big difference to your budget. If you need a $4000 Loan for something you just can’t resist, or to pay for something unexpected, Swoosh can help.
A $4000 Loan can help you to pay for unplanned bills and expenses. Essentially, you borrow $4000 and pay it back slowly over time. Our application is 100% online and only takes minutes to complete. It’s hassle-free and the easiest way to get $4000 fast!
How quickly can I get a $4000 Loan?
Well, it depends on how quickly you can submit your application! Complete it online and we will review it within minutes. Most of the time, you can get the money you need into your bank account on the same day. For more information: How to Apply for Payday Loan Online
Am I eligible to get a $4000 Loan?
Our eligibility criteria are very straight-forward. You must:
Be at least 18 years old
Be employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
Can I apply for a $4000 Loan if I have a bad credit score?
We get asked this question a lot and the simple answer is, it is possible. Even if you have a poor credit rating, we will review your $4000 loan application based on your current circumstances and ability to repay the loan. At Swoosh, we believe that your credit history is exactly that – history – so we offer the ideal 4000 dollar loans for bad credit.
Repayments, fees and interest rates:
Our $4,000 Loans can be paid back 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 amount)
PPSR and Security Check – $16 (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 $35.00 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.
What can I use my $4000 for?
Our $4000 loans can be used for anything at all. When life throws you a curve-ball, you need to act fast. The extra funds could be for a last minute holiday, a new kitchen appliance, furniture, or simply to pay an unexpected bill. There’s no need to tell us what you plan to spend the money on. All that matters to us is that you can pay it back under the terms and conditions of our agreement.
Can I apply for a $4000 Loan with Swoosh if I have an existing loan with another company?
Yes, if you have a loan with another company you can still apply for a $4000 Loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.
We make it easier to make loan repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.
How do I apply?
Apply for a $4000 Loan with Swoosh in 3 easy steps.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan is provided within 60 minutes of you providing require information (during business hours)*. The decision will arrive promptly – right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.
Thanks so much for giving me a chance to improve my credit score and for helping me to fix up my car. It is very much appreciated, and the whole process was simple and completely pain-free. Wonderful service.
Sarah, Seddon VIC
Thank you for your assistance. I would recommend Swoosh Finance to anyone who needs a loan.
Brad, Oakhurst NSW
Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Amy, Doonside NSW
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
I would like to thank the Swoosh team for helping me out with the settlement. I really appreciate it.
Margaret, Cloncurry QLD
Thank you for your assistance.
I would recommend Swoosh to anyone who needs a loan.
Brad, Oakhurst NSW
I really appreciate the way my loan was handled. They went out of their way to help me, and get a positive outcome. Staff were great, kept me posted where things were up to. Very satisfied not just because of positive outcome but the way the company treated me. Many thanks. I won't let you down!!
Lesley, Scone NSW
Thank you very much Swoosh Finance for your help. Now I'm so happy I can make my mother in law birthday and less stress on me thanks again... give 100/100 for your help.
Simon, Dandenong VIC
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