Quick bad credit loans in Perth from a direct lender
Looking for a bad credit loan in Perth with easy approval? Swoosh Finance is here to help. Our small personal loans are ready to cover any of those unexpected bills, last minute costs, or even just to tide you over till payday.
Our bad credit loans for WA are 100% online, so you can apply from anywhere, at any time. As long as you have a mobile phone or other smart device, the sky is the limit. Plus, with PayID loan transfers, you can have the cash in your account in an instant!
Get a bad credit payday loan secured against your car in Perth today.
Apply for $2,300-$5,000 today with a local Aussie direct lender!
Apply Now
Apply for up to $5,000 in 3 easy steps!
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Complete the online application form in just minutes
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Get approval within 60 minutes of receiving required information (during business hours)*
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Get paid directly into your bank account
How fast is loan approval for bad credit loan applications in Perth?
*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?
- Fast approval: Apply online in just minutes and get same day approval*
- No hidden fees: Transparent fees with no hidden costs
- Flexible repayments: Tailored repayment plans that fit your pay schedule – weekly, fortnightly, or monthly
Application reviewed in minutes… by actual humans, not computers!
How to get a loan with bad credit in Perth
You can get a bad credit payday loan using your car as security in Perth and still drive it! Just apply online and follow the simple steps to approval. As long as you meet our eligibility and lending criteria, you’re good to go, even with a low credit score.
Find out more: How to get a loan
Am I eligible to apply for a loan?
You can apply for a cash loan in Perth today as long as you meet our 4 simple criteria:
- 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 | $2,300 – $5,000* |
| Fees: |
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| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
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Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
We like to keep things simple with our small personal loans for WA residents.
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 emergency bill, a last-minute holiday, or to consolidate existing debt, you can apply today with Swoosh.
Guaranteed approval for bad credit loan 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.
Can I get a cash loan in Perth while on Centrelink?
You can still get a small cash loan from Swoosh in Perth while on Centrelink payments. You will need to be employed for at least 3 months and meet our eligibility and lending criteria.
Can I get a bad credit loan without a credit check?
Some lenders may offer loans without credit checks, but as a responsible lender, Swoosh does conduct a credit check as part of our assessment process. This means we can offer a fair go to people with bad or very bad credit scores while verifying they can service the loan.
Bad Credit Loan Perth FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
It’s super easy to get a bad credit loan with Swoosh Finance. Just apply for a loan of $2300-$5000 online – it takes less than 5 minutes. You’ll need some bank statements, ID, and payslips. Our assessors will review your application immediately and, in most cases, you’ll receive the funds the very same day.
You can have more than one short term loan at a time. How many loans you can have will depend on what you can afford to service and what lender you apply with. You can also apply for a debt consolidation loan to borrow more money and roll all your loans into one payment.
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.
Swoosh cash loans need to be secured by a vehicle registered in your name. This is generally a car but it could be another type of vehicle as well, like a boat or motorbike.
