In this article:
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.
Discover how to earn money fast
What are $4000 Loans?
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 a $4,000 loan online
*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.
What can I use my $4000 for?
Our $4000 loans can be used for anything at all. When life throws you a curveball, you need to act fast. The extra funds could be for a last minute holiday, car repairs or rego, new furniture, or to simply pay an unexpected bill. Whatever you need the cash for, all that matters to us is that you can pay it back under the terms and conditions of our agreement.
Am I eligible?
Our eligibility criteria are very straightforward. You must:
Be at least 18 years old
Employed for at least 3 months
A permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
How to apply for a $4000 loan
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.
No need to sign-up for an account. Apply Now
*Speed of approval is conditional to receipt of all requested relevant documents/information.
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.
Flexible repayment options:
- Weekly
- Fortnightly
- Monthly
Can get a $4000 with bad credit?
Yes, even if you have a bad or poor credit rating you can still get a loan with Swoosh. We do conduct credit checks as part of our responsible lending requirements, but 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 $4k 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 – $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.
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.
Testimonials
sam johnston
Donna Moroney
clint bindley
Eric & Zephy
Melissa Wilson
Tales from the Crypto
Naseer Mansour
Tohi Ridings
J R
Shayne Khan
The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
