Swoosh Finance is a local direct lender that has been offering small cash loans in Australia since 2014. We’re passionate about helping Aussies get the cash they need without all the hassle. That’s why we’ve ditched paperwork and turned the whole loan process into a simple online application. You can apply from anywhere and be approved in as little as 1 hour. That’s basically an instant cash loan!
Borrow Money Fast
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Where can I borrow money fast in Australia?
You can apply online from anywhere in Australia and borrow money today with Swoosh Finance. Whether you’re in a major city like Brisbane, Sydney, or Melbourne, or out in one of Australia’s beautiful rural towns, we can service your loan needs.
How to get a cash loan fast in Australia
Getting a small cash loan in Australia is easy with our 100% online application process.
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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 for a fast cash loan
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.
Small cash loan eligibility
Getting a small cash loan in Australia is easy with our 100% online application process.
- Be at least 18 years old
- Employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle registered in your name
If you meet these requirements, you can apply for a short term loan online and get a fast approval. Remember, it’s free to apply and applications can be paused or stopped at any time—there are no obligations resulting from the application.
Cash loan rates and fees
We like to keep things simple with our small cash loans.
| Loan amount | $2,300 – $5,000* |
| Fees: |
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| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
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Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Bad credit cash loans for Australia
As a private lender, we are able to offer finance to people with a range of credit scores, including those with a bad (or even very bad) credit score. We’ll look at your current situation (not past credit mistakes) to assess your application. As long as you meet our eligibility and lending criteria, you can get approved for a bad credit loan with Swoosh.
What is the easiest cash loan to get?
All Swoosh small cash loans are designed to be easy for Australians to get when they need them. Whether it’s an emergency loan, a debt consolidation loan, or just a quick cash loan to see you through to the next paycheck, it’s fast and simple to apply with Swoosh.
Can I get instant approval?
We do our best to process all applications ASAP and strive for same day approval. If you opt for PayID instant loan transfer you will get the money in your bank account within seconds – once the signed application is returned.
What makes Swoosh the best Australian lender?
We’re always striving for the title of the best and most accessible lender for Aussies, no matter what their credit score is.
- We offer speedy approval
- The latest and safest banking technology is used
- Our service is 100% online (that’s right: no paperwork hassle)
- Our customer care team is friendly and always ready to help
- We always use human assessors (not computers!) and give everyone a fair go!
Flexible repayment options
To make it easy, we align repayment schedules with your paydays. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
What can I use a cash loan for?
You can get a small personal loan for anything you need, some common loan reasons include:
- Emergency situations (eg. medical expenses, unexpected bills)
- Car repairs
- Travel plans and holidays
- Rent or bond advance
- Debt consolidation
- + much more!
Learn more: Reasons To Get A Quick Cash Loan
No matter your reason, apply for a small cash loan today and we’ll give you a fast answer!
Responsible lending
As a reputable direct lender in Australia, we always practise responsible and trustworthy lending — because it’s the right thing to do.
As responsible lenders, we’ll only approve your application if we believe you have the ability to repay the loan. And unlike other digital lenders, we utilise professional (human!) assessors to review and approve all loan applications.
Check out our blog to have confusing Loan Terminology explained. You can also check out the FAQs at the bottom of this page or find even more answers to questions about our loans.
Cash Loan FAQ
You need to be able to provide us with current bank statements, two forms of ID, as well as employment payslips.
Are you thinking, “but I need a cash loan today!”? If you apply online with Swoosh, in most cases you can get your money on the very same day. Our assessors aim to review your application within minutes and send an approval within one business hour assuming all the correct information has been provided. It’s free to apply and, as responsible lenders, we will only ever approve your loan application if we believe you can make the repayments.
No, as the funds are transferred directly into your account you will need a bank account to get a loan.
At Swoosh, we work hard to make sure the cash is in your account as fast as possible. We’ll direct deposit the cash into your bank account within one business day of your loan approval. Contracts are signed electronically, so there’s no paperwork hassle.
If you return your contract by 3:30pm (AEST) time, your funds will be transferred overnight.
As a responsible lender, Swoosh does not offer no credit check loans. But because we service both people with bad credit and people with no credit history, this won’t impact most people’s chances of approval.
Online loans are 100% legal. However, as with anything, when looking for online loan providers you need to do your research to make sure you’re choosing a reputable lender. Swoosh has been helping out Aussies with quick cash since 2014 and our team is led by Brent McIntyre who has spent 20 years in the finance industry. Find out more on our About Us page.
Approval of your loan is provided within minutes of you providing the required information (during business hours)*. The decision will arrive promptly – right in your inbox.
Find out more: How To Get A Loan
Yes, we can offer loans to those earning Centrelink. To qualify, you must also have been employed for at least 3 months and meet our eligibility and lending criteria.
