Get cashed up fast in Melbourne today
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Where can I get a small cash loan in Melbourne?
If you’re in Melbourne and searching for fast, easy cash loans then Swoosh is the solution for you! You can apply online at any time for a quick cash loan with same-day approval*.
Learn more: rates and fees
*Approval speed is conditional to receipt of all requested relevant documents/information.
Online cash loans
When you need emergency cash fast, the last thing you want to deal with is complicated application processes. At Swoosh, our small cash loans are 100% online, so you can apply anytime you need cash.
Our 3-step application process means you’ll have funds in your account before you can say Swoosh!
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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.
Eligibility criteria
Getting a small cash loan in Melbourne is easy with Swoosh. There are only 4 criteria for you to be eligible to apply for a loan:
- Be at least 18 years old
- Be employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle registered in your name
How do repayments work?
At Swoosh, we believe in making things easy for our customers. That’s why we offer flexible repayment options to suit you best. Choose the right payment schedule for you:
- Weekly
- Fortnightly
- Monthly
How to get a small cash loan with bad credit
Worried about bad credit? At Swoosh, we believe bad credit shouldn’t hold you back. That’s why we focus on your current financial situation, rather than just your history. We offer bad credit cash loans from $2300 up to $5000 with an easy online application process.
A responsible lender you can trust
At Swoosh, we look out for you and your best interests. That’s why we’re committed to practicing responsible lending. Our team will assess your application carefully and will only approve the application if we believe you can comfortably repay the loan over the length of your contract.
FAQs
As with any loan, there are pros and cons to getting a cash loan, and it will depend on your individual circumstances and what you do with the loan. Before getting a cash loan, consider the following:
- How much do you need to borrow?
- Can you make timely repayments?
- What is your current credit score?
- Check the eligibility criteria
Cash loans do impact your credit score, they have the potential to help improve it or to negatively affect it. For example, meeting all repayment requirements will reflect positively on your score but missing payments will have a negative influence. Understanding how credit scores work in Australia will help you understand how to manage your finances and decide whether a personal loan is right for you.
There is no set limit to how many loans you can have. Your eligibility for a loan depends on your financial situation and how much you can afford to service. A debt consolidation loan can help you pay off multiple loans and borrow extra cash at the same time.
