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
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ASAP payday loans starting from $2300
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:
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Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
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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.
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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:
- Debt consolidation
- 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.
| Loan amount | $2,300 – $5,000* |
| Fees: |
|
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
|
Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
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.
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
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
Apply with Swoosh online, providing all the requested information, and you could be approved within one hour (60 minutes).
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.
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.
