If you’re in need of fast cash today, let us do the heavy lifting.

With our simple online application and speedy approvals, you can get an online loan in a matter of hours!

Our cash loans are easy, fast, and stress-free.

Our 3-step process

Swoosh applications and approvals are 100% online. You can do everything from your tablet, smartphone, or computer.

Our process includes just 3 steps:

Complete an online application on your mobile phone, computer or tablet. Applications usually take less than 5 minutes.

Approval of your loan is provided within 60 minutes (during business hours). The decision will arrive promptly — right in your inbox.

After approval, an offer is sent to you via email. Once you’ve reviewed the details and signed the contract, we’ll send the money directly to your bank!

Eligibility for our online loans

You can apply for a Swoosh cash loan if you meet this criteria:

  • Be 18 years or older
  • Be employed for at least 3 months
  • Be an Australian permanent resident
  • Own a vehicle (like a car or motorbike) registered in your name, with no finance owing or encumbrances

Online applications can be paused or stopped at any time — there are no obligations.

Loan amounts

With a Swoosh loan, you can borrow anywhere from $2,000 to $5,000.

List the amount you need on your application, and we’ll handle the rest.

When will the cash be in my bank account?

At Swoosh, we work hard to make sure the cash is in your bank 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.

Online loans

Why do people love cash loans?

Swoosh customers love online cash loans because they get them the money they need — without tons of paperwork hassle and waiting in long lines.

Cash loans can be used for:

  • Unexpected bills like medical expenses and car repairs
  • Home improvements and renovations
  • Travel plans and holidays
  • Flights and other transportation
  • Training courses or school programs
  • Much more

No matter your reason, apply today and we’ll give you a fast answer!

Flexible repayment

To make it easy, we align repayment schedules with your paydays.

You can set payments to be weekly, fortnightly, or monthly.

Term lengths range from 12 to 24 months — designed around your particular circumstance.

Online loan structure

Unlike other lenders, we give you all of the information upfront.

Our application is $0, and we do not charge you if your application is not approved.

Once approved, your costs would be as follows:

  • Standard establishment fee of $400
  • Annual interest of 48%

If a scheduled payment is returned unpaid, a $35.00 debit dishonour fee may be issued.

Interest rates are fixed for loan term length — and interest is calculated on the outstanding loan balance.

The Swoosh difference

We’re all about mates helping mates.

Our online 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 with a lender you can trust.

Responsible lending

At Swoosh we always practice responsible and trustworthy lending — because it’s the right thing to do.

We’ll only approve your application if we believe you have the ability to repay the loan. 

We review each loan application on its own merit.

And unlike other digital lenders, we utilise professional (human!) assessors to review and approve all loan applications.

We’re here to help

Our Customer Care team ensures your questions and concerns are heard and answered.

Contact us today with any questions or to discuss your individual circumstance.

Still have questions?