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FAQs

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What is the minimum credit score for a cash loan?

Getting a fast cash loan in Darwin with Swoosh will not require you to have a ‘good’ credit score. Because we offer bad credit loans, we can service a wide range of credit ratings. We do this by looking at your current financial situation and assessing your eligibility based on that.

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Can I get approved without a credit check?

As a responsible lender, we conduct credit checks on all applications. Credit checks are an important part of the application process and help to protect both you and the lender.

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What is the easiest payday loan to get approved for in Australia?

We always strive to be the best in Australia when it comes to easy and fast approvals. Once you submit your application, our experienced team will quickly review it to provide you with an outcome ASAP.

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Will the money be available immediately?

Once you are approved, the money will be transferred right away. However, how soon the money will appear in your account will depend on your bank and the time of day. If you return your signed contract by 3:30 p.m. (AEST), your funds will be transferred overnight.

To help get you cashed up even faster, we now offer PayID instant cash transfers.

Testimonials

Swoosh Finance Star Rating sam johnston
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
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
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
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
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 Finance Star Rating Naseer Mansour
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
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
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
Swoosh Finance Star Rating Shayne Khan
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