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Need a bad credit loan in Brisbane? Swoosh Finance can help!

Struggling with bad credit? Don’t worry! At Swoosh Finance, we understand that life doesn’t always go according to plan. If you’re in Brisbane and need a loan despite having bad credit, we’re here to help. Whether it’s for a quick cash advance before the weekend, consolidating debts (even with bad credit), or just a short term loan to cover urgent expenses, you can get an easy cash loan today.

With our simple online application and fast approvals, getting a bad credit loan in Brisbane has never been easier.

Apply for $2,200-$5,000 today with a local Aussie direct lender!

Apply Now

Check your repayments for a bad credit loan in Brisbane

How much do you need to borrow?

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.

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Interest & Fees

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Total to repay

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Weekly Repayment

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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.

Apply for up to $5,000 in 3 easy steps!

Step 1:

Complete the online application form in just minutes

 

Apply Now

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?

1. Fast approvals: Apply online in just minutes and get same day approval*
2. No hidden fees: Transparent fees with no hidden costs
3. Flexible repayments: Tailored repayment plans that fit your pay schedule - weekly, fortnightly, or monthly
Start your application

Application reviewed in minutes… by actual humans, not computers!

How It Works

Bad credit loans using car as security

Bad credit loans are designed for individuals with a low credit score or a poor credit history. Traditional lenders might reject your application, but Swoosh Finance offers you a second chance. As a private lender, we can provide loans to Queenslanders with bad or even very bad credit, as long as you meet our eligibility and lending criteria. All our loans are secured, so you can use your car as collateral and keep driving while you repay.

The-Swoosh-Difference

Am I eligible to apply for a loan?

We keep things simple, to be eligible to apply for a bad credit loan in Brisbane 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)

Swoosh testimonials - Cash Loans

We like to keep things simple with our small personal loans for Brissy.

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 2 months and meet our eligibility and lending criteria.

Bad Credit Loan Brisbane FAQs

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What are bad credit loans?

Bad credit loans are small cash loans available to individuals with a poor credit history who might ordinarily be denied a loan by a traditional lender.

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Can I get a bad credit loan to consolidate debt?

Yes, you can! At Swoosh, we understand that it can be hard to stay on top of debt when you’re trying to manage multiple loans. And that it can be tricky to find someone who will look beyond your credit history. That’s why we offer debt consolidation loans!

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Does Swoosh do credit checks?

We conduct credit checks on every application. After evaluating current bank statements we determine whether you have the ability to repay the loan. This way we don’t solely rely on a credit check – bad credit history follows thousands of Australians each year and we at Swoosh understand that this can happen to anyone. So if you’re able to pay off the loan now, you can borrow money against your vehicle and get your cash flow sorted.

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Can I get a cash loan without a bank account?

No, as the funds are transferred directly into your account you will need a bank account to get a loan.

Cover costs in Brisbane with a Small Personal Loan

Get urgent funds when you need them most

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Apply and receive funds entirely online

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Testimonials

Swoosh Finance Star Rating sam johnston
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
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
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
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
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 Finance Star Rating Naseer Mansour
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
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
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
Swoosh Finance Star Rating Shayne Khan
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.