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
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.
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.
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
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.
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.
Thanks so much for giving me a chance to improve my credit score and for helping me to fix up my car. It is very much appreciated, and the whole process was simple and completely pain-free. Wonderful service.
Sarah, Seddon VIC
Thank you for your assistance. I would recommend Swoosh Finance to anyone who needs a loan.
Brad, Oakhurst NSW
Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Amy, Doonside NSW
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
I would like to thank the Swoosh team for helping me out with the settlement. I really appreciate it.
Margaret, Cloncurry QLD
Thank you for your assistance.
I would recommend Swoosh to anyone who needs a loan.
Brad, Oakhurst NSW
I really appreciate the way my loan was handled. They went out of their way to help me, and get a positive outcome. Staff were great, kept me posted where things were up to. Very satisfied not just because of positive outcome but the way the company treated me. Many thanks. I won't let you down!!
Lesley, Scone NSW
Thank you very much Swoosh Finance for your help. Now I'm so happy I can make my mother in law birthday and less stress on me thanks again... give 100/100 for your help.
Simon, Dandenong VIC
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