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How can I get a personal loan with poor credit?

Simply apply for a Swoosh bad credit loan online. Swoosh is a responsible lender, which means that we will only loan an amount that you can comfortably repay now. And we make sure you have all of the repayments information in advance—so there are no hidden surprises.


What is the lowest credit score for a loan?

When it comes to obtaining a loan, the minimum credit score required can vary depending on the lender and the type of loan you’re seeking. While a credit score above 550 is generally considered a safe starting point for qualifying for a personal loan, it’s important to note that different lenders may have higher or lower requirements. Some lenders might accept lower credit scores or consider other factors, while others may demand a higher score for approval.


Why is my credit rating so low?

Several factors can contribute to a low credit rating. One common reason is late or missed payments on your credit accounts. It’s important to note that credit report inaccuracies and identity theft can play a significant role in lowering your credit scores as well. By regularly monitoring your credit report and addressing any errors or fraudulent activity promptly, you can help improve your credit rating over time.


How much can I apply for with Swoosh?

You can apply for a bad credit loan of anything between $2,200 and $5,000.


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 bad credit history. That’s why we offer debt consolidation loans – guaranteed for eligible Aussies, even with bad credit.


How much does a declined loan affect credit score?

The short answer is that a loan rejection doesn’t hurt your credit score. However, if you continue to apply for loans and continue to be rejected in a short space of time, this builds up numerous “hard enquiries” regarding your credit, which can lower your score.


How is Swoosh able to offer bad credit history loans?

For those who find themselves financially secure after a history of bad credit, it can still prove very difficult to borrow money.

Rather than focusing on your bad credit history, our team of expert (human!) assessors carefully examine your current financial situation to make sure you’re able to make the loan repayments. This is how we can offer those with unfortunate histories a second chance to get the loan they need.


How quickly can I get a loan for bad credit?

Unlike banks and other lenders, Swoosh doesn’t require extensive paperwork. We use a simple process that’s 100% online. We only need a few pieces of information from you plus 90 days of bank statements. Approval usually comes within an hour of providing us with the information we need, so the majority of our customers receive their bad credit loan the same day.


What is the easiest loan to get with bad credit?

The easiest loan to get if you have bad credit is from a lender that specialises in bad credit loans, like Swoosh. Swoosh looks at your ability to repay the loan now, not your past credit history.


Who will give me a loan when no one else will in Australia?

Swoosh has helped thousands of Australians with bad credit to get cash fast and improve their credit rating at the same time.


How do I borrow money ASAP?

Complete an online loan application with Swoosh – as long as you provide the information we need and you meet our eligibility criteria, you could get the funds in your account the same day.


Swoosh Finance Star Rating Garry Capewell
My refinance loan application was very easy and straight forward to navigate and complete and the prompt response to the application was very pleasing, very professional and with a fast turn around. Special mention going out to your staff member Coen for his prompt responses and professionalism in regards to my application.😊
Garry Capewell
Swoosh Finance Star Rating numi
My experience with Hannah and Kate was so great. They both helped me through with my application very respectfully and helped went through the steps to get me through to the final steps to assess my application. Swoosh. Finance is the best
Swoosh Finance Star Rating Helen T
Ally has been spot on with her responses! Super and fast and reliable via email. She has been helpful throughout my application. 10/10 would recommend asking for ALLY if you choose to go with Swoosh.
Helen T
Swoosh Finance Star Rating Nai “Friszy01” Frisjina
My experience with swoosh has been a good one. Stacey and Cohen have been very helpful towards helping me applying for a loan. I would recommend this services to my friends and family. I would defiantly come back in the future. Thanks swoosh team you guys have been very helpful.
Nai “Friszy01” Frisjina
Swoosh Finance Star Rating Michael Higgins
Very happy with the help I got from the lady on the phone whose name was jade. Would like a bit more updates on the progress but all in all very happy with the people.
Michael Higgins
Swoosh Finance Star Rating Jo Naisbitt
Great experience with this finance company over the years. They always do everything they can to help you and the turn around is very fast. Coyen is super helpful and a pleasure to deal with. His impeccable customer service and friendly nature is an asset to your business. Keep up the great work Coyen and Swoosh.
Jo Naisbitt
Swoosh Finance Star Rating Brendan Hedges
I’ve had a very stressful week and when I needed help I went to swoosh finance and they were swift to give me the helping hand I needed, Jelena was especially super helpful with quick responses and made the whole process very easy. Will definitely go through swoosh again 👍
Brendan Hedges
Swoosh Finance Star Rating Kaitlyn Rea
Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️
Kaitlyn Rea
Swoosh Finance Star Rating Dino Mcpherson
Olivia was very helpful. Kept it simple for me to understand. Responded to my replies within minutes. 10 out of 10 for being professional and straight forward with what I needed to do. Have a good day!
Dino Mcpherson
Swoosh Finance Star Rating Graham Cowley
I would like to thank Kate for her help today much appreciate her effort. She is very easy to deal with and very helpful. Thank you
Graham Cowley

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.

Want to chat to someone?

Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist