If you’re looking to consolidate debt, you’ve come to the right place. We know how to help get the cash you need to organize and simplify your life. Swoosh provides a streamlined process — there are no long lines or paperwork hassles.

Wait, what is a debt consolidation loan?

Debt consolidation is a way to refinance your debt. It utilises a loan to pay off several others, often reducing your interest fees and monthly payments.

Why use debt consolidation?

If you have a few debts and are struggling to keep up with payments, debt consolidation might be the right approach for you. These loans allow you to reduce and simplify your debt — making your life more streamlined. Our easy debt consolidation loans allow you to pay off several others.

If the interest rate and fees are lower on your consolidation loan, you can get back on track faster.

Debt consolidation loans

Swoosh loan eligibility

If you meet these four requirements, you can apply for a Swoosh loan today.

  • Be at least 18 years old
  • Be employed for at least 3 months
  • Be a permanent Australian resident
  • Own a vehicle registered in your name, with no finance owing or encumbrances

Online applications take less than 5 minutes!

Our speedy process

Our 3 step process keeps your information safe and secure — without holding up the speed.

Complete an online application on your mobile phone, computer or tablet. Applications usually take less than 5 minutes.

Approval of your loan is provided within 60 minutes (during business hours). The decision will arrive promptly — right in your inbox.

After approval, an offer is sent to you via email. Once you’ve reviewed the details and signed the contract, we’ll send the money directly to your bank!

Applications can be paused or stopped at any time — there are no obligations.

Simple online application

All from your smartphone, tablet, or computer, you can complete an online application in a matter of minutes.

With our secured personal loans, you can get your finances back on track.

Quick approval and cash transfer

During business hours, our assessors usually respond to applications within an hour.

If you apply outside of business hours, you’ll hear from us the next business day.

Once you’re approved, you’ll recieve an electronic offer and contract from Swoosh.

If you return your contract by 3:30pm (AEST) time, the funds will be transferred to your account overnight.

If you belong to a ‘same day payment capable bank’ (Commonwealth Bank, Westpac, NAB or ANZ) the funds will show up in your bank account within one business day.

How is Swoosh different?

Unlike other banks and lenders, Swoosh doesn’t require extensive paperwork.

We utilise a streamlined process that’s 100% online.

We only need a few pieces of information — given during your application — and 90 days of read-only bank statements.

Applying for a loan takes only a few minutes.

And approval usually comes within an hour.

Flexible loan repayment

We put the customer first.

We align repayments with your pay schedule — making it easy and stress-free.

Payments can be auto-scheduled weekly, fortnightly, or monthly.

Loan amounts and term lengths

With our debt consolidation loans of $2,000-$5,000, your term length can be anywhere from 12 to 24 months.

Lending responsibly

When we lend money, we lend it carefully.

We only offer a loan when we know you have the ability to repay it. 

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 your application.

Questions or concerns?

Our friendly Customer Care team is available to answer your questions or discuss your particular situation.

Don’t be shy. Contact us today!

Still have questions?