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What is a cash loan?
Cash loans are a short-term financing solution for when you need emergency funds fast. They can be used for a multitude of purposes and are usually paid directly into your nominated bank account.
How do cash loans work?
When you apply for a cash loan, and your application is approved, the full loan amount will be transferred to your nominated bank account in one lump sum immediately. Then, with our flexible repayment options, you can repay the loan in weekly, fortnightly, or monthly instalments.
How much can I borrow?
You can borrow $2300-$5000 in Sydney today with Swoosh by applying online.
What can cash loans be used for?
Cash loans can be used for whatever you need. Our most popular cash loans include:
Rates & fees
When it comes to cash loans, Swoosh knows the importance of clear terms and transparent fees. That’s why we’re upfront about our fees and charges so you can be confident you won’t be hit with any hidden fees or costs. Our rates and fees are:
| Online cash loan amount | $2,300 – $5,000* |
| Fees: |
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| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
|
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 payday) |
How to get a cash loan in Sydney
With Swoosh, our application process is 100% online and takes just 3 easy steps.
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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.
Apply online today
Find out more about how to get a loan with Swoosh.
How soon will I receive the funds?
We offer same-day approval, so you should receive the funds into your bank account within 24 hours of applying*. If you’re using PayID, you’re able to get paid even faster.
*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
Swoosh believes in keeping things simple so you can get on with the important things. Say goodbye to jumping through hoops and hello to smooth online applications!
- At least 18 years old/li>
- Employed for at least 3 months
- Permanent resident or valid visa holder of Australia
- Own a vehicle registered in your name
Bad credit loans for Sydney
Battling bad credit and struggling to get ahead? Swoosh is here to help. We focus on your current financial situation rather than your credit history and offer bad credit loans from $2300-$5000 with easy eligibility requirements.
Apply online with Swoosh and get a bad credit loan in Sydney today!
FAQs
Choosing the best online cash loan for you will depend on your individual circumstances. However, you should keep an eye out for cash loans that have:
- Clear terms and conditions
- Transparent fees and charges
- Flexible payment options
Online loans are a fast and easy way to borrow much needed funds with as little hassle as possible. It’s important to always check the terms and conditions of any loan you apply for, and check the lender’s Australian Credit Licence number via the ASIC Credit Licensee register to ensure they are legitimate.
Whether a personal loan is a good idea for you will depend on your individual circumstances. A personal loan can be a good option for people who are new to the lending world and need to build a credit score. They can also be useful when looking to consolidate debt and get ahead of bad credit. If you’re ever unsure about your financial situation, you should seek assistance from a financial adviser or a financial counsellor.
