Don’t let bad credit keep you from getting the funds you need!
At Swoosh, we understand that life happens, and a less-than-perfect credit score shouldn’t hold you back. That’s why we offer bad credit loans for Adelaide with fast, easy approval and a 100% online application process. Our cash loans are secured against your vehicle and repaid in manageable monthly instalments over 12-months.
With no hidden fees or early exit charges, Swoosh makes borrowing simple and stress-free. Apply today and get back on track!
Apply for $2,200-$5,000 today with a local Aussie direct lender!
Apply for up to $5,000 in 3 easy steps!
Step 2:
Get approval within 60 minutes of receiving required information (during business hours)*
Step 3:
Get paid directly into your bank account
How quickly can I get a loan for bad credit?
*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.
Why Choose Swoosh?
Application reviewed in minutes… by actual humans, not computers!
Secure your bad credit loan with a car or other vehicle
At Swoosh, we believe every Aussie deserves a fair go! That’s why we offer secured loans using your car or other types of vehicles as collateral. So as long as you meet our eligibility and lending criteria, you could continue to drive while repaying your bad credit loan. With a 100% online application process and fast, easy approval, you’ll have the funds you need in no time.
Am I eligible to apply for a loan?
We keep things simple, to be eligible to apply for a bad credit loan in South Australia you need to:
- Be 18 years or older
- Have been employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle (like a car or motorbike) registered in your name
Rates & fees
| Loan amount | $2200 to $5000 |
| Application fee | $0 |
| Establishment fee | $400 |
| Other fees and charges | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Debit dishonour fee (if a scheduled payment is returned unpaid) | $35.00 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
We like to keep things simple with our small personal loans for Adelaide.
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Ready to get your loan?
Whether it’s for an unexpected bill, a last-minute holiday, or to consolidate existing debt, give yourself a break and apply now with Swoosh.
Guaranteed approval loans for bad credit applications
We cannot offer guaranteed approval no matter what. But we know that situations can improve faster than credit scores. So as long as your current situation meets our lending requirements, a bad credit history won’t hold you back from being approved for a loan.
Bad credit loans no credit checks
Swoosh does conduct a credit check as part of our responsible lending practices but we always offer a fair go to everyone, even those with bad or very bad credit.
Loan on Centrelink with bad credit
You can still get a loan from Swoosh while on Centrelink payments. You will need to be employed for at least 3 months and meet our eligibility and lending criteria.
Bad Credit Loan Adelaide FAQs
Can I still borrow money with bad credit?
At Swoosh, we believe everyone deserves a second chance! That’s why we look at more than just your credit score. Swoosh looks at current circumstances, including your ability to repay the loan. Whether you have bad credit or even very bad credit, we give all Australians who meet our eligibility & lending criteria a fair go.
What is the minimum credit score for a personal loan in Australia?
The minimum credit score needed for a personal loan varies from lender to lender. At Swoosh, we look at your current financial situation, not just your credit history.
Can you get a cash loan on Centrelink?
If you are currently receiving Centrelink benefits, you may still be eligible for a cash loan with Swoosh. However, Centrelink must not be your only source of income and you will need to meet our other eligibility criteria.
Is it possible to borrow money without a credit check?
To ensure responsible lending, we perform credit checks on all applications. These checks are a vital step in the application process, ensuring the financial safety of both the applicant and the lender.
Find out more: Do cash loans without credit checks really exist?
Cover costs in Adelaide with a Small Personal Loan
Testimonials
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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.