If you’re in need of an instant Cash Loan today, let us do the heavy lifting.
With our simple online application and speedy approvals, you can get a Cash Loan in a matter of hours!
Our online loans are easy, fast, and stress-free, ready to help you with your cash flow needs.
Get money fast with easy Cash Loans from Swoosh
Learn more: Why & How To Use A Quick Cash Loan
What is a fast cash loan?
A fast cash loan is a short term loan that can be accessed quickly, making it ideal in emergency situations.
Is a cash loan the same as a payday loan?
Today, they’re more or less the same thing and both are tightly regulated forms of finance. This wasn’t always the case though.
Payday loans began in the US and arrived in Australia in the 1990s. The industry grew quickly and soon got a bad reputation, as lenders often charged enormous amounts of interest. The 2008 GFC prompted governments, borrowers and institutions to change their attitudes to credit, spelling the beginning of the end for payday loan providers in Australia. Then in 2013, the Commonwealth government abolished these types of payday loans by introducing small amount credit reforms. Thus, the “payday loans” of today are very different to 20 years ago.
How do cash loans work?
Quick cash loans are a safe and highly regulated way to borrow small sums. Simply use our loan calculator to set your loan amount and view what your repayments would be. Our small loans of $2000-$5000 can be paid off over 12 months.
Learn more: How Do Cash Loans Work?
Quick Cash Loan amounts & term lengths
Our Cash Loan structure is as follows:
| Online cash loan amount | $2,000 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 to get a small cash loan online
Our 3-step easy process
Our application process and our approvals are 100% online.
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 receiving your 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!
Eligibility for our small Cash Loans
You can apply for a Swoosh cash loan if you meet this criteria:
Are 18 years or older
Have been employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle (like a car or motorbike) registered in your name
Why choose Swoosh
Why do people love our Cash Loans?
Swoosh customers love our fast cash loans because they get the money they need — without tons of paperwork hassle and waiting in long lines.
Cash Loans can be used for:
Home improvements & renovations
Travel plans and holidays
Flights and other transportation
Training courses or school programs
+ much more!
No matter your reason, apply for a loan today and we’ll give you a fast answer!
Flexible repayments
To make it easy, we align repayment schedules with your paydays. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
Responsible lending
At Swoosh, 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.
We offer Cash Loans after evaluating current bank statements, assessing whether the applicant has the ability to repay the loan now. We review each loan application on its own merit, so we don’t solely rely on your credit history. Bad credit can happen to anyone, and we look at the ‘here and now’ of your situation.
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 and find even more answers to questions about our loans here.
Cash Loan FAQs
What do you need for a cash loan?
You need to be able to provide us with current bank statements, two forms of ID, as well as employment payslips.
Where can I get a cash loan with bad credit?
At Swoosh, we look at your ability to repay the loan now – not some point in the past. So we can offer cash loans to those with bad credit, as long as you’re an Australian resident, you own a vehicle of some sort, you’re 18 or over and employed.
Where can I get a same day cash loan?
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.
Can I get a cash loan without a bank account?
No, as the funds are transferred directly into your account you will need a bank account to get a loan.
When will the cash be in my bank account?
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.
Testimonials
i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.
adrian brewer
By far the best loan experience out of four others that I have dealt with.
All staff are great ive dealt with are great.
Fast responce through bot and email with up to date information so I wasn't left wondering.
10/10
daniel s
Very quick and so easy thanks
John Knoll
Quick and easy
Lyndell Gibson
Very helpful and fast process.
I'd recommend them to anyone as their repayments are fair and affordable.
Thank you Swoosh.
darren archer
Easy to deal with and done in quick time.
Allan Mahoney
Ryan was extremely Friendly and helpful during the whole process
Nicole Halliwell
Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless
Jeralie Emnace
Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++
Kessy Tav
Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜
Hızır reis Reis
Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…
Steven Fitzgerald
I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.
Mia Toomey
Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again
Carol Woodcock
Good friend lily people an quick approval
Tony Mudge
Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap
Derek Walker
Greatest company to deal with!!
Renae Bowerman
Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you
Laura C
Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽
Grant Bottrell
Was great to work with was told it would be 24 hours before I found out as was the end of the day .
By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes.
Thanks
Luke Wilson
I recommend this company.
muni howard
Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online
V Vegh
Excellent start to finish experience.
The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.
Mark Atha
They took the time to look at my application and gave me options. Only thing I don’t like as an existing customer is if u wanna pay extra off ur loan or increase your repayments they charge u a fee
Nicki Bunn
Maria Cabrera
Dimitrios Velingos
Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.
Jason Stanford
Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.
Karyn Quinn
Tracey Grounds
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
