If you’re in need of an instant cash loan today, let us do the heavy lifting. Easy fast cash loans from Swoosh are quick because of our simple online application process and speedy approvals. As soon as we have all the information we need, you’ll have the cash in your bank account in as little as an hour!
Our online loans are easy, fast, stress-free, and 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 quick cash loan?
A quick cash loan is a short term loan that can be accessed quickly, making it ideal in emergency situations. You can apply for a quick cash loan online and get fast cash to cover any costs.
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 global financial crisis (GFC) prompted governments, borrowers and institutions to change their attitudes to credit. This change was the beginning of the end for payday loan providers in Australia. And 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 money. Simply use our loan calculator to set your loan amount and view what your repayments would be. Our short term cash loans range between $2000-$5000 and 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 |
We’ve got no hidden costs or monthly fees, all your payment information is listed in the table above.
How to get a cash loan online
Our 3-step easy loan process
You can get a fast, easy loan today by following our 100% online application form and approval process.
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 quick cash loans
You can apply for one of our online cash loans if you meet these 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
Applying for a loan with 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 small cash 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. And unlike other digital lenders, we utilise professional (human!) assessors to review and approve all loan applications.
We know bad credit can happen to anyone. So we offer cash loans after evaluating your current bank statements, assessing whether you have the ability to repay the loan now. And we always review each loan application on its own merit, so we don’t solely rely on your credit history.
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 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
Great to deal with and easy to apply.
Very understanding of your individual situation
Big thanks to Carin for her help :-)
James Hocking
Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.
NUGGET gaming
I have received great assistance from Ana and I'm happy with the outcome of my application
Luke lee Boslem
I am happy with the prompt service of Swoosh.
They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way.
Thank you very much.
Danz Mojae
Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!
Beau
I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana
Tanielle Oleary
Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance
Nookorn Young
The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!
farizzudin mohamad taib
Very happy customer have had nothing but good service when topping up
Stephen Cornish
Always very friendly customer service and always very prompt.
Julie Fisher
Carin was very helpful 😁
Brittney
Great customer service!
William Schweinheim
Very happy with the service have used these guys a few times and will keep on using them
Sam Blaschek
Good fast service and reliable credit facility. Highly recommend Swoosh finance
Rebecca King
Excellent service with minimal fuss, highly recommend
Robert Jarrett
Very prompt and professional. Would borrow from them again
adele Wright
Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌
samantha french
Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me
Thank you swoosh
jasmin andrews
At first the application was rejected but following day was advise it will be reassessed.
Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend
Jay E
Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation.
He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement.
I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client.
Kindest regards
CJS
Cory Sims
Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.
Livia Faatiarau
Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!
Michael McQuade
My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.
PRISCILLA JANE
Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours.
Very responsive, very happy with the outcome.
Sarah Tepuni
Superfast , no delays once already have/ had a loan
Ryker Natural Products
A++++
Winifred Angel Roycroft
Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.
Holly Toolin
After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.
Carol Schobbe
Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂
Nikita Gorogo
Swoosh was really good in understanding and service was great and pretty quick as well.
Denis V
They did good job and at a reasonable rate.
James Cross
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
