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.
Need some extra cash to pay for Christmas?
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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 here to help make the cost of Christmas more achievable. With Small Loans for Christmas from $2,000 to $5,000, you can get the perfect Christmas presents for all your loved ones.
How do I apply for a Christmas Loan?
With our 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.
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.
We lend responsibly
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.
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 Christmas Loan.
| Secured Personal Loans | $2000-$5000 |
| Application Fee | $0 |
| Establishment Fee | $400 |
| Other Fees | $16 |
| Annual interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
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.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
**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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