Get back on the road fast with a car registration loan!
Between fuel, regular servicing, and general upkeep, owning a car in Australia can be expensive. And that’s all before you factor in insurance and, importantly, registration. Rego is one of the biggest expenses associated with owning a car, and if you need a hand paying yours, Swoosh is here to help. You can apply online for a Car Registration Loan of up to $5000 with fast approval! Our online application only takes minutes to fill out, so you’ll be back behind the wheel in no time.
Apply now for a car registration loan!
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What is a car registration loan?
A car registration loan is a type of small personal loan designed to cover expenses related to your vehicle registration. It’s different from a car loan, which is normally used to purchase a new or used vehicle. Car registration loans are a way to get fast cash to pay for your rego.
How to get a car registration loan
Get a car registration loan near you today in just 3 steps:
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Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
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Approval of your loan is provided within 60 minutes of receiving your information (during business hours)*. The decision will arrive promptly — right in your inbox.
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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!
Find out more about how to get a loan with Swoosh.
*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.
How fast can I get a car registration loan online?
Swoosh is a 100% online direct lender in Australia. That means you can get a vehicle registration loan from anywhere! Once we get everything we need and you return a signed agreement, we can get cash in your account within the day.
Car rego loans with bad credit
Worried about bad credit holding you back? Don’t be! Swoosh offers bad credit loans for car rego payments. We look at your current financial situation when we assess your application, so past credit mistakes won’t hold you back.
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. If you’re able to pay off the loan now, you could still be eligible to borrow money against your car and get your rego sorted.
Flexible instalment payments
We align your repayment schedule with your payday so you never have to worry about missing a payment. You can pay:
- Weekly
- Fortnightly
- Monthly
Rates & fees
At Swoosh, we give you all of the information upfront. Here are all of the details on our secured loans that you can use to pay for your vehicle registration:
| Loan amount | $2,300 – $5,000* |
| Fees: |
|
| Annual Interest | 47% (comparison rate 66.0347%)** |
| Term length | 12 Months |
| Repayment options | Weekly, fortnightly or monthly (based on your paydays) |
Interest rates
Our interest rates are fixed for the term of the loan — making things easy and straightforward. Rates are calculated daily on the outstanding balance.
Debit dishonour fee
A $39.95 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid. You must still continue to pay the usual interest charges as described.
Eligibility for car rego loans
You can apply for a loan against your car as long as you meet our 4 simple eligibility criteria, you must be:
- At least 18 years of age
- Employed for 3 months or more
- A permanent resident or valid visa holder of Australia
- The owner of a vehicle registered in your name
Apply for a loan today for a super speedy answer. Remember that applications can be paused or stopped at any time — there are no obligations resulting from the application.
What makes Swoosh the best choice?
Check out our reviews to see what our customers love about Swoosh loans!
When you choose Swoosh for your loan, you benefit from these services:
- An easy online application that can be completed from a smartphone, tablet, or computer
- Super speedy loan approval (usually within 1 hour of receiving all your information during business hours)*
- Direct deposit of the funds into your bank account
- Flexible repayment options
- A 100% secure online process
- No hidden fees or nasty surprises
- Friendly and helpful customer care team
Our commitment to responsible lending
At Swoosh, we always practise reliable, responsible, and trustworthy lending. We share our cost structures upfront, and only approve applications when we know they can be repaid. Unlike other digital lenders, every application is reviewed by a professional (human!) assessor — always following responsible lending criteria.
Got questions?
Contact us to get your questions answered, or to discuss your individual needs.
**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.
