Getting a loan when you need it doesn’t have to be a struggle. Let us do the heavy lifting for you. As a trusted Aussie money lender, we aim to give you the best loan experience and the fastest cash loan in Canberra today. With a no hassle, no fuss approach, you’re guaranteed a great loan experience!
Learn how to get instant approval on a personal loan
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Cash loans with car as collateral
Swoosh cash loans are secured against your car (or other vehicle). When you take out a loan against your car with Swoosh, you still get to drive it! The security on the loan lets us lend to a wide range of Aussies and provide an accessible finance service when you need it.
Learn more: How our secured cash loans work
How much can I borrow?
You can apply for $2,300 – $5,000 with Swoosh today and pay it off over 12 months! We offer flexible repayment options that align with your payday. You can pay back the loan:
- Weekly
- Fortnightly
- Monthly
Apply for an easy cash loan in Canberra
You can apply online at any time in less than 10 minutes! Here’s what you need to do:
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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 you providing require 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 long does it take to get approved?
You can get approved in as little as 1 hour, provided you apply within business hours and supply all the necessary documents. Once approved, the money is transferred straight away. And if you choose to use PayID, then the cash can be transferred instantly.
Why get a fast cash loan?
Our quick online loans are popular with Australians for a reason. If you’re looking for the easiest loan to get with no hassle, we’re here to help! Our fast easy loans can help you with things like:
- Debt consolidation
- Emergency money
- Education
- Travel
- Car repairs
- Cash advance
- + much more!
Simple eligibility criteria
Getting a small cash loan in Brisbane is easy with Swoosh. There are only 4 criteria for you to be eligible to apply for a loan:
- At least 18 years old
- Permanent resident or valid visa holder of Australia
- Employed for at least 3 months
- Own a vehicle registered in your name
Loan rates and fees
We are upfront about our rates and fees, so you know exactly what you will need to pay. There are no hidden charges, monthly fees and no penalties for paying back your loan quicker – so you can pay it back as soon as you are ready.
| Loan amount | $2,300 – $5,000* |
| Fees: |
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| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
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Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
For more information, visit Rates & Fees.
How interest rate works
Interest is calculated daily based on the outstanding balance. Our rates and fees always include the interest rates that are fixed for the loan term — so you know exactly what to expect.
- Interest rates are fixed for the loan term and are based on the outstanding balance.
- By dividing the annual interest rate by 365, the daily interest rate is determined.
- Comparison rates vary from 65-66% depending on the size of the 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 and therefore change your payday loan cost.
FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
We will need a read-only report of the last 90 days of bank statements to complete an assessment of your application.
Our cash loans for Canberra include applicants with bad credit. We like to offer all Australians a fair go on their finance. This means when we assess your application, we look at your current financial situation. So bad credit won’t hold you back from loan approval.
Yes, we can offer loans to those earning Centrelink. To qualify, you must also have been employed for at least 3 months and meet our eligibility and lending criteria.
Getting a small secured cash loan from Swoosh is super easy. It’s 100% online and you can apply at any time.
