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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
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 $2,200 – $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
How to get 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:
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 of you providing require 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.
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.
What can I use the loan for?
Canberra is a great place to live, but it’s not always cheap. Sometimes you need a little boost before payday to see you through. Other times an unexpected bill pops up and you need some cash fast to pay it.
The good news is that you can apply for a secured loan with Swoosh for any reason. Some common loan reasons for Canberra include:
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
Employed for at least 3 months
Permanent resident or valid visa holder of Australia
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.
| Online cash loan amount | $2,200 to $5,000 |
| Application Fee | $0 (even if your application is not approved) |
| Standard establishment fee | $400 |
| Other Fees | $16 (included in loan) |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your payday) |
| Direct debit dishonour fee | $35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
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
Will I need bank statements?
We will need a read-only report of the last 90 days of bank statements to complete an assessment of your application.
Can I get a cash loan with bad credit in Canberra?
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.
Can I get a loan if I’m on Centrelink?
You are still eligible for a loan with Swoosh if you get payments from Centrelink. However, Centrelink cannot be your only income. You will need to have had regular employment for the past few months to get a loan from Swoosh.
What’s the easiest loan to get approved for?
Getting a small secured cash loan from Swoosh is super easy. It’s 100% online and you can apply at any time.
Testimonials
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Great service..very helpful and hands on with customers. Process went smooth n fast.
Thanks you Ana for your great help .much appreciated
J R
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions.
Ana is amazing at what she does extremely easy to deal with and gets things done...
Shayne Khan
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
