It’s hard to be prepared for an emergency, and if your car breaks down, it’s not unusual to become panicked. A Car Repair Loan, not to be mistaken with a car loan, is an emergency cash loan that is there for when disaster strikes, helping you get back on the road sooner.
Get your car back on the road with a quick Car Repair Loan
Our application process and approvals are 100% online. You can do everything online in just three easy steps, getting you your emergency car repair loan fast.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan is provided within 60 minutes minutes of you providing the required information (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!
How quickly can I get a Car Repair Loan?
We pride ourselves on our same day loans, and our online loan application takes only minutes to complete. Once received, we can get you the money you need on the same day. In many cases, you can apply for your Car Repair Loan today and receive the funds in your account before the day is done.
Once a contract is signed electronically, we’ll deposit the funds directly into your bank account.
Structure for Car Repair Loans
At Swoosh, we give you all of the information upfront.
With us, there are no nasty surprises or hidden fees.
Here are all of the details on our secured loans:
Online cash loan amount
$2000-$5000
Application Fee
$0
Online cash loan amount
$400
Other Fees
$16
Annual interest
47% (Comparison Rate 66.0347%)**
Term length
12 Months
Flexible repayment options
Weekly, fortnightly or monthly (based on your payday)
At Swoosh, we communicate upfront and honestly, making our online loans simple to understand and quick and easy to complete.
Can I get a Car Repair Loan even with bad credit?
Yes, it is possible! We understand that bad credit isn’t always an indicator of where you’re at today, and we have an evaluation process that takes this into consideration.
For those who find themselves in a financially secure position after a history of bad credit, it can prove very difficult to secure a standard loan. So, by looking into the ‘here and now’ of your financial situation, we’re able to offer a bad credit loan to those who have been impacted by poor credit in the past.
We offer our loans after evaluating current bank statements, assessing whether you have the ability to repay the loan now, not one year ago or some other time in the past. This way, you can get an emergency car repair loan with bad credit, helping you back on the road.
Fees and interest rates:
Our loans for car repairs can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for paying back your loan amount quicker – so you can pay it back as soon as you are ready. Find out more
$0 application fee (even if your application is not approved)
Establishment Fee – $400 (included in the loan)
PPSR and Security Check – $16 (included in loan)
Keep in mind that you may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and applied to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is missed or returned unpaid, we may issue a $35.00 debit dishonour fee.
Can I apply online?
We have developed an advanced online application system that allows for requests to be completed in minutes, with approval following not long after – on standard business days, this could be as quick as an hour. The fast Car Repair Loans we offer vary between $2,000 to $5,000.
We’ve made it as simple as possible, so you can apply for a loan with Swoosh today.
We’ve made it as simple as possible, so you can apply for a loan with Swoosh today.
Be over 18 years old
Citizen/Permanent Resident of Australia
Employed for at least 3 months
Own a vehicle registered in your name
Got questions?
Contact us to get your questions answered, or to discuss your individual case.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
**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.
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.
Karyn Quinn
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
Yayy!
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
Tracey Grounds
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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