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Need a loan ASAP? Get a money loan from a direct lender in Australia today! When you need money urgently, you want to know the easiest loan to apply for with short turnaround times. Swoosh small loans are 100% online, so no matter where you are, you can apply for a short term loan and get fast approval. No guarantor needed!
How to earn quick money fast
ASAP payday loans starting from $2200
You can borrow up to $5000 today with Swoosh with flexible repayment options. You never have to worry about missing a payment with our flexible repayment options that align with your payday:
- Weekly
- Fortnightly
- Monthly
How to get a loan ASAP
Get a fast small personal loan from Swoosh in just 3 simple 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 receiving your 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!
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.
Get money ASAP even with bad credit
You can apply online for an ‘as soon as possible loan’ and get approved even if you have bad credit. As a private lender, we look at your current financial situation to ensure you can afford to service the loan. So if your bad credit history has been holding you back with other lenders, you don’t need to worry! You can get a small loan approved ASAP regardless of your poor credit history.
What can I use the loan for?
You can get an emergency loan ASAP from Swoosh for anything you need. Some common loan reasons include:
Car repairs
Bond payment
Unexpected holiday costs
Medical and dental emergencies
+ much more!
Rates and fees
Our Small Personal Loans can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for paying back your loan amount quicker – so you can pay it back as soon as you are ready.
| Online cash loan amount | $2,200 to $5,000 |
| Application Fee | $0 (even if your application is not approved) |
| Standard establishment fee | $400 |
| Other Fees | $16 (included in loan) |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your payday) |
| Direct debit dishonour fee | $35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
Find out more: Payday loans rates and fees
You may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan and your credit score.
Interest is calculated daily on the outstanding balance. Interest rates are fixed for the loan term — so you know exactly what to expect.
Cash loan eligibility
Forget long queues and extensive requirements. Get your same day cash loan today. You only need to meet the following criteria to be eligible to apply:
18 years or older
Permanent resident or valid visa holder of Australia
Employed 3 months or longer
Own a vehicle registered in your name
From the application to the cash arriving in your bank account, we make it easy to apply for a personal loan.
Whatever the reason, Swoosh can help. Apply for a loan with Swoosh today.
Get an emergency loan approved ASAP with no hassle
In most cases, you can get approved for cash today. We know that when you need an emergency loan, you want it ASAP. That’s why our same day loans are paid into your bank account the very day your application is approved.
Instant money transfer with PayID
Once your fast cash loan application is approved, you won’t need to wait to have the cash in hand. You can opt for PayID and receive the money in your bank account immediately.
Check out our reviews
We pride ourselves on our easy online loan experience and friendly customer service. Check out our great reviews to see why our customers love our loans!
Apply today and get:
- A streamlined 100% online application
- Fast direct deposit
- A completely secure and confidential system
- Friendly and helpful customer care
FAQs
How can I get a personal loan immediately in one hour?
Apply with Swoosh online, providing all the requested information, and you could be approved within one hour (60 minutes).
Can I get a cash loan without a credit check?
As a responsible lender, Swoosh does not offer no credit check loans. But because we service both people with bad credit and people with no credit history, this won’t impact most people’s chances of approval.
Why can’t I get a loan anywhere?
There are many reasons your loan application may get declined. If you’re not sure why you have been declined, ask for clarification from the lender so you know where the problem is. If you need a loan ASAP but keep getting declined, check out some possible solutions.
Testimonials
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Great service..very helpful and hands on with customers. Process went smooth n fast.
Thanks you Ana for your great help .much appreciated
J R
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions.
Ana is amazing at what she does extremely easy to deal with and gets things done...
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
