Bad credit follows tens of thousands of Australians around for years, often through no fault of their own. This is why we offer Bad Credit Loans. These unfortunate financial situations can prove very hard to repair, depending on how severe the bad credit score might be. With our simple online loan application and speedy approvals, you can get a loan for bad credit in just a matter of hours!
Don’t let your bad credit stop you from getting a loan
Apply now
For those who find themselves financially secure after a history of bad credit, it can prove very difficult to borrow money.
Rather than focusing on your bad credit history, Swoosh carefully examines your current financial situation making it easy to apply for a quick loan for bad credit. We do this by inspecting bank statements and offer a loan based on this information. This is how we can offer those with unfortunate histories a second chance to get the loan for poor credit they need.
Bad Credit Loans guaranteed approval
We’ve all been in a position where we’ve needed a quick loan, so at Swoosh we aim to make this as easy and streamlined as possible. When life catches you off guard with an unexpected medical bill or emergency car repair, emergency funds are required quickly – but bad credit can seriously hinder a person’s ability to get it.
This is why Swoosh offers Bad Credit Loans – we’re here to help. Instead of being rejected by the big banks for the money you need right now, we can assist. We offer guaranteed approval on loan applications with bad credit for Australians who need assistance fast.
What is bad credit?
A bad credit rating is the result of a previous inability to meet financial commitments. This failure to meet your debt agreement may have been completely out of your hands, which makes the lasting impact of a bad credit score all the more unfair.
Values assigned to credit scores, ranging from 0 to 1200, determine a credit rating. Good credit is typically credit above a score of 620, while anything below can be considered bad credit. The lower the number, the worse the credit, making it harder to apply for a loan with other credit providers.
What Swoosh can do for Australians with bad credit
Our loans are based on your current situation, not your past credit reports – this is why we’re comfortable offering bad credit personal loans.
We can offer Bad Credit Loans to people who are able to repay a loan from $2,000 to $5,000. Our advanced online application only takes minutes, and approval following very shortly after.* There’s no simpler way to get guaranteed approval loans for bad credit applications.
If you have a bad credit history and are seeking a cash loan, get in touch with Swoosh today. Our friendly advisers can walk you through the easy application process and help you secure the loan you need.
Fast cash, bad credit – how do I apply?
To apply for a Swoosh Bad Credit Loan, you just need to be:
Be a permanent resident or valid visa holder of Australia
Over the age of 18
Employed with a regular income for at least 3 months
The owner of a vehicle registered in your name
Our application process is completely online and only takes minutes to complete. Our team of expert (human!) assessors quickly assess your loan application and your information is always secure with us.
How is Swoosh different?
- Unlike banks and other lenders, Swoosh doesn’t require extensive paperwork.
- We utilise a simple process that’s 100% online.
- We only need a few pieces of information — provided during your application — and 90 days bank statements.
And approval usually comes within an hour of you providing us with the information we require.
Our Bad Credit Loans online process
At Swoosh, we keep things simple, making sure you can apply for a Bad Credit Loan online with ease.
Here’s our speedy 3 step process:
1. Complete an online application on your mobile phone, computer or tablet. Applications usually only take minutes.
2. Approval of your loan is provided within 60 minutes of you providing us with the information we require (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.
Responsible lending
Swoosh is a responsible lender. This means that we will ensure we only loan the amount that you can comfortably repay.
And we make sure you have all of the information in advance — so there are no hidden surprises.
We even utilise (human!) professional assessors to review your application.
Swoosh will:
- Help you get back on track
- Provide the cash you need, when you need it
- Make the application as easy as possible
- Approve your loan within one business day*
- Provide on-time and reliable payments
- Keep all of your information safe through our secure online system
Got questions?
Contact us to get your questions answered, or to discuss your individual needs. The Swoosh Customer Care team ensures every question is answered.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
Types of Loans
- Cash Loans
- Debt Consolidation Loans
- Car Repair Loans
- Quick Loans
- Loans Against Cars
- Online Loans
- Small Personal Loans
- Bond Loans
- Secured Loans
- Christmas Loans
- Holiday Loans
- Loans for moving house
- Bad Credit Loans
- Emergency Loans
- Small Loans
- Same Day Loans
- Weekend Loans
- $2000 Loans
- $3000 Loans
- $4000 Loans
- $5000 Loans
- Rent Loans
- Fast Cash loans
- Payday Loans
Nicki Bunn
Maria Cabrera
Dimitrios Velingos
Jason Stanford
Michael, Roselands NSW
Biljana, Macquarie Fields NSW
Sarah, Seddon VIC
Brad, Oakhurst NSW
Karyn Quinn
Ryan, Anna Bay NSW
Norm, Mani Beach QLD
Emmanuel, Blacktown NSW
Nicole, Moe VIC
Karlie, Australind WA
Amy, Doonside NSW
Debra, Mt Baker SA
Christian, Ellenbrook WA
Margaret, Cloncurry QLD
Brad, Oakhurst NSW
Lesley, Scone NSW
Tracey Grounds
Simon, Dandenong VIC
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
