If you’re looking for a quick and easy Debt Consolidation Loan, you’ve come to the right place. We know how to help you get the cash loan you need to simplify your life. Getting a cash loan is simple with Swoosh — there are no long queues or lengthy paperwork and it can be done online in minutes.
Simplify your finances with a Debt Consolidation Loan
Debt consolidation is a way to refinance your debt. By consolidating your debts, you’re utilising a single loan to pay off several others, likely reducing your interest, fees and monthly payments. This means you can combine multiple credit cards, a small personal loan or maybe outstanding utility bills, helping you pay off your debt sooner.
Why use a Debt Consolidation Loan?
If you have a few debts and are struggling to keep up with payments, a Debt Consolidation Loan might be the right solution for you. These quick and easy loans allow you to reduce and simplify your debt — making your finances more streamlined. Our easy Debt Consolidation Loans allow you to pay off several others at once.
With only one single loan, repayment, fees and interest rates may be lower. This means you can get back on track faster and save on your repayment amounts.
Our online loans for debt consolidation are simple and quick – allowing you to receive your cash, and get your finances in order, as soon as possible.
Swoosh loan eligibility
If you meet these four requirements, you can apply for a Swoosh Debt Consolidation Loan today.
Are 18 years or older
Be a permanent resident or valid visa holder of Australia
Own a vehicle (like a car or motorbike) registered in your name
Have been employed for at least 3 months
Our speedy process
Our 3 step process keeps your information safe and secure — without holding up the speed of receiving your loan.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Applications reviewed within minutes and approved within 60 minutes of receiving all the required information (during business hours)*. The decision will arrive promptly – right in your inbox
3. After approval, we will pay off your debt directly with the outstanding lenders and send any remainder to your bank account.
Applications are 100% online, free to apply, no obligation and can be paused or stopped at any time.
Still confused? Learn more: How to apply for a payday loan online
How is Swoosh different?
Unlike banks and other lenders, Swoosh doesn’t require extensive paperwork, so you get a quick and easy debt consolidation loan. We utilise a straightforward process that’s 100% online.
We only need a few pieces of information — provided during your application — and 90 days of bank statements.
Applying for a small loan takes only a few minutes. And approval usually comes within an hour of you providing us with all required information.
Flexible loan repayment
We align repayments with your pay schedule — making it easy and stress-free.
Loan amounts and term lengths
Our Debt Consolidation Loans of $2,000-$5,000, can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for early payouts or extra repayments – so you can pay it off as soon as you are ready. Find out more
Can I get a Debt Consolidation Loan with bad credit?
Bad credit impacts tens of thousands of Australians every year, and is often a sore point long after the cause of the bad credit score is gone. For those who find themselves in a financially secure position after a history of bad credit, it can prove very difficult to secure a loan. However at Swoosh, we look at the ‘here and now’ of your financial situation; we assess everyone on an individual basis.
We offer Debt Consolidation Loans after evaluating current bank statements, assessing 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 may be able to offer Debt Consolidation Loans for bad credit, so those who have been affected by their histories, get the cash they need now.
When we lend money, we lend it responsibly. We only offer a loan when we know you have the ability to repay it, both initially and over the life of the loan.
And we make sure you have all of the information in advance — so there are no hidden surprises.
We even utilise (human!) professional assessors to review each application based on individual merit.
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 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.
Thanks so much for giving me a chance to improve my credit score and for helping me to fix up my car. It is very much appreciated, and the whole process was simple and completely pain-free. Wonderful service.
Sarah, Seddon VIC
Thank you for your assistance. I would recommend Swoosh Finance to anyone who needs a loan.
Brad, Oakhurst NSW
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.
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Amy, Doonside NSW
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
I would like to thank the Swoosh team for helping me out with the settlement. I really appreciate it.
Margaret, Cloncurry QLD
Thank you for your assistance.
I would recommend Swoosh to anyone who needs a loan.
Brad, Oakhurst NSW
I really appreciate the way my loan was handled. They went out of their way to help me, and get a positive outcome. Staff were great, kept me posted where things were up to. Very satisfied not just because of positive outcome but the way the company treated me. Many thanks. I won't let you down!!
Lesley, Scone NSW
Thank you very much Swoosh Finance for your help. Now I'm so happy I can make my mother in law birthday and less stress on me thanks again... give 100/100 for your help.
Simon, Dandenong VIC
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