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Does a debt consolidation loan really work?

Yes, it works to simplify your debt situation. Instead of paying off multiple loans and having to keep track of all the monthly payments, you only need to focus on one. And because you only need to pay one set of fees, interest, and monthly payments, you may end up saving money.


Is it easy to get loans to pay off debt with bad credit?

With Swoosh, it’s as easy as 1-2-3.

1. Complete an online application.

2. Provide the requested information.

3. Sign the offer email!


How quickly can I get a debt consolidation loan?

Our 100% online application only takes minutes to fill out. Once received, we can get you the money you need on the same day.



Do debt consolidation loans hurt your credit?

No, not in the long run. There may be a small dip in your credit score at the start. But because you’re only paying off one loan, it’s easier to keep track of your finances and pay on time. So, your credit score will improve over time.


Do you need a job for a debt consolidation loan?

One of our eligibility requirements is that you have been employed for at least 3 months. However, it does not need to be full time or permanent employment.


What interest rate will I get?

We have a $0 application fee, a $400 standard establishment fee and the interest rate is 47% (Comparison Rate 66.0347%). All our fees and rates are clearly displayed on our Payday Loan Rates and Fees page.


What will my repayments be?

You can calculate your repayments up front by using the calculator on the right hand side of this page.


Swoosh Finance Star Rating sam johnston
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh Finance Star Rating Naseer Mansour
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
Great service..very helpful and hands on with customers. Process went smooth n fast. Thanks you Ana for your great help .much appreciated
Swoosh Finance Star Rating Shayne Khan
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...
Shayne Khan

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