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Christmas is a time for joy, a time for love and a time for family. During this time of festivities, tradition and giving, many are swamped with financial pressure and may need an online loan to take the pressure off. To make sure the holiday season is full of joy, we offer last-minute Christmas Loans. Christmas is a favourite time of year for many, where we can come together with our families and celebrate, and we at Swoosh want to make this as easy as possible.
What is a Christmas Loan?
It may be new bikes for the kids or the latest gaming console, but we all know that playing ‘Santa’ can become very expensive. Swoosh is a direct lender for small loans and we are here to help make the cost of Christmas more achievable. With Small Xmas Loans from $2,200 to $5,000, you can get the perfect Christmas presents for all your loved ones.
Looking for a little inspiration? Check out our 15 Cheap (But Nice) Christmas Gift Ideas.
Need a loan for Christmas shopping?
Where to get a Christmas Loan
Need a loan for Christmas gifts? Or just some spare money for the holidays? You can apply for a holiday loan with Swoosh Finance for up to $5,000 in Australia today!
Apply for a Christmas Loan
With our 24/7 online application, it has never been easier to get a loan for Christmas. Our online application form takes minutes to complete and our process is completely paperless, removing the hassle of mountains of documents, printers, and scanners.
Once you have filled in the application, our team of (human!) assessors check your eligibility quickly using the information provided. Because we operate online, we can get you the money you need, fast. We believe in providing excellent service, so if there’s anything you’re unsure about, you can contact our friendly team for assistance.
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.
Apply for a loan online and find out why thousands of Australians choose Swoosh. It’s fast, it’s easy and it just might make your Christmas one to remember.
*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.
Can I get a loan for Christmas?
Swoosh takes responsible lending seriously. That’s why we have a short list of eligibility requirements for our quick Christmas loans. You must:
Be over the age of 18
Be a permanent resident or valid visa holder of Australia
Have a steady income
Own a vehicle registered in your name
We always make sure only to loan you an amount that we know you can comfortably repay. So if your situation changes and you find yourself struggling to make repayments, it is important to contact our customer service team immediately, so we may assist.
Minimum Loan Term: 60 days. Maximum Loan Term: 12 months Although our fast cash loans are designed to be paid back over 12 months, there is absolutely no penalty should you choose to pay it back early.
Can I get a Christmas Loan with bad credit?
Yes, it is possible! To get you the much needed cash boost you need over the Christmas season, we look at the ‘here and now’ of your financial situation, assessing everyone on an individual basis.
We offer online cash loans after evaluating current bank statements and assess whether the applicant has the ability to repay the loan now, not one year ago or some other time in the past. This way we are able to offer a second chance to those who have been affected by bad credit, getting them the cash they need.
Still worried about bad credit? Check out our guide on how to get a loan with bad credit.
What does it cost?
At Swoosh, we’re different to other lenders, we’re upfront and honest about our cost structure and process, so you know what you’re getting with your small holiday loan.
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 |
For more information, visit Rates & Fees.
Flexible repayments
To make it easy, we align repayment schedules with your payday. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
Questions and concerns
At Swoosh, we don’t like surprises, so we work hard to make sure that our online Christmas Loans are as intuitive as they are quick and easy.
Contact us to get your questions answered, or to discuss your individual needs.
**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.
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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.
Christmas Loan FAQs
How much can I borrow for Christmas?
Our online cash loans start at $2,200 and go up to $5,000.
Can I get a loan without a car?
Swoosh cash loans need to be secured by a vehicle registered in your name. This is generally a car but it could be another type of vehicle as well, like a boat or motorbike.
Can I get a Christmas loan with no credit check?
Swoosh does not offer no credit check loans. Credit checks are an important part of our application assessment process as a responsible lender.
Testimonials
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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