Christmas is a favourite time of year for many when we can come together with our families and celebrate, and we at Swoosh want to make this as easy and fast as possible. If you need a loan before Christmas or a last minute cash boost, we’re here to help. As an alternative lender, we can even assist those with bad credit.
Apply for a small Christmas Loan today from a local Aussie direct lender!
What is a Christmas Loan?
Christmas loans are a type of small personal loan used to help cover costs over the festive season. Swoosh online loans are secured by a vehicle and come with a short repayment term of 12 months. You can even pay the loan off sooner with no early exit fees.
Key details:
- Loan reason: Christmas expenses
- Borrowing amount: $2350 – $5000
- Loan term: 12 months
- Repayment options: Weekly, Monthly, Fortnightly
- Secured or unsecured: Secured
- Interest rate: 47%
- Upfront fees: $420
- Early exit fee? No
Get a quick Xmas loan today
How do Christmas loans work?
Christmas loans are a type of instalment credit. So you will receive a bulk sum of money upfront, which you then pay back in instalments over a set period of time. You will also need to pay the interest on the loan and any other fees listed in your loan contract.
What can you use a Christmas Loan for?
You can use a Christmas loan for any festive season costs, including:
- Christmas gifts
- Travel and holidays
- Accommodation
- Christmas events
- Unexpected expenses
How to get a loan for Christmas
Apply online 24/7 with Swoosh for a small Christmas loan. Our simple form takes just minutes to complete and our process is completely paperless, removing the hassle of mountains of documents, printers, and scanners.
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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.
*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.
Eligibility
Swoosh takes responsible lending seriously. That’s why we have a short list of eligibility requirements for applying for our secured Christmas loans:
- 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 to only loan you an amount that we know you can comfortably repay. But if your situation changes and you find yourself struggling to make repayments, it is important to contact our customer service team immediately, so we can assist.
Christmas Loan for bad credit
You can get a small loan for Christmas with bad credit at Swoosh Finance. As a local alternative lender, Swoosh looks at the ‘here and now’ of your financial situation, assessing everyone on an individual basis.
We offer online cash loans after evaluating recent bank statements and your current ability to repay the loan, 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.
Rates and fees
At Swoosh we’re upfront and honest about our cost structure and process, so you know what you’re getting with your small holiday loan.
| Loan amount | $2,350 – $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 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
For more information, visit Rates & Fees.
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Christmas Loan FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
You can borrow between $2,350 to $5,000 with Swoosh Finance for Christmas expenses
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.
Swoosh does not offer no credit check loans. Credit checks are an important part of our application assessment process as a responsible lender.
Need funds for Christmas but not eligible for a loan? Explore alternative ways to get extra cash for Christmas.
You can apply for a holiday loan online with Swoosh Finance at any time.
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.
Yes, to be eligible for a personal loan with Swoosh, you must be at least 18 years old.
There are a lot of factors to consider before you commit to any type of credit.
Here are some of the steps you should take when deciding if a Christmas loan is right for you:
- Carefully review the associated costs and loan contract before you sign any loan agreement
- Explore all your options to make sure you’re making the right choice for you
- Consult with a financial advisor or explore government advice on where to get free financial counselling.
At Swoosh, we work hard and play hard. Our customer care team is available Monday to Friday 7am – 5pm AEST (excluding public holidays).
Outside of business hours, you can email Swoosh at applications@swoosh.com.au and our team will aim to respond to your inquiry within the next business day.
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.
