If you’re in Sydney and need a quick cash loan with minimal hassle, then it’s Swoosh to the rescue! We specialise in fast, easy cash loans with a smooth online application process and no hidden fees or charges. Whether you need emergency funds or you’re looking for an epic staycation at Sydney’s stunning beaches, Swoosh is here to help!
Apply now with Swoosh for a Cash Loan in Sydney today
Learn more
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?
Swoosh offers online cash loans from $2200-$5000 with the opportunity to top up your funds after 6 months of repayments.
At Swoosh, we care about our customers–that’s we’re committed to being a responsible lender. We’ll assess each application carefully and never lend more than you can afford to repay.
What can cash loans be used for?
Cash loans can be used for whatever you need. Our most popular cash loans include:
What are the loan terms & 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 | $2,200 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 |
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.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
How do I get a cash loan in Sydney?
With Swoosh, our application process is 100% online and takes just 3 easy steps.
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.
Cash loan eligibility made simple
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!
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
What if I have bad credit?
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 $2200-$5000 with easy eligibility requirements.
Apply online with Swoosh and get ahead of your bad credit today!
FAQs
What is the best online cash loan?
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
Do online loans really work?
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.
Are personal loans a good idea?
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.
Testimonials
Garry Capewell
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Helen T
Nai “Friszy01” Frisjina
Michael Higgins
Jo Naisbitt
Brendan Hedges
Kaitlyn Rea
Dino Mcpherson
Graham Cowley
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
