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Are cash loans a good idea?

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

Do cash loans affect your credit score?

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.


How many cash loans can you have?

There is no set limit in the number of cash loans one person can have. However, it’s important to remember that all lenders have their own eligibility criteria and when assessing your ability to repay a loan, and having other cash loans will impact their decision.


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
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.

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Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist