Need a fast approval loan to hold you over until your next payday or sort out an unexpected bill? Maybe you were invited for exciting weekend plans, or need some car repairs and require an emergency personal loan fast. Whatever the reason, you can get same day cash with Swoosh. Our Quick Cash Loans are here to get you the quick cash you need.
As a direct Aussie lender, we provide fast finance to a wide range of people, even those with low or bad credit ratings. You can apply for between $2,300 – $5,000 through our simple online application at any time and we’ll get you sorted.
Why get a fast cash loan?
Our quick online loans are popular with Australians for a reason. If you’re looking for the easiest loan to get with no hassle, we’re here to help! Our fast easy loans can help you with things like:
- Unexpected bills (like medical expenses or car repairs)
- Family emergencies
- Weekend plans and holiday travel
- Educational training programs
- Home improvements or repairs
- And much more
No matter the circumstance, we’re here to get you your online loan fast!
How to get loan approved immediately?
Learn more
Apply for a quick cash loan online
Our fast finance application process is super-easy, you can apply online at any time in just 3 simple steps.
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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 happens within 60 minutes of you providing the required 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.
Get a quick online loan today
Whether it’s for an unexpected bill, a last-minute holiday, or to consolidate existing debt, give yourself a break and apply now with a top-rated private Australian lender.
Find out more: How to get a loan
How do cash loans work?
We pride ourselves on our quick easy loans for Aussies who need money now. So, if an application is completed during normal business hours, our quick online loan approval usually comes within one hour (60 minutes) of receiving all required information and documents from you*.
Once a contract is signed electronically, we’ll deposit the funds directly into your bank account. If you return your contract by 3:30pm AEST, your funds will be transferred overnight, so you can have your Fast Cash Loan within 24 hours!
Flexible repayment options
To make it easy, we align repayment schedules with your paydays. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
Quick cash loan eligibility
We only have 4 criteria for you to be eligible to apply for a fast cash loan:
- Be at least 18 years old
- Employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle registered in your name
That’s it!
Can I get the money instantly?
Swoosh now offers optional PayID instant money transfer, which means that once you have been approved and we receive the signed contract, the money can be in your bank account in seconds. So if you’re in need of fast cash urgently, Swoosh is here to help!
Loan Rates & Fees
We like to keep things simple with our quick and fast loans.
| Loan amount | $2,300 – $5,000* |
| Fees: |
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| Annual Interest | 47%pa (comparison rate 66.0347%) |
| Term length | 12 Months |
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Debit dishonour fee (if a scheduled payment is returned unpaid) | $39.95 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Am I eligible for a Swoosh cash loan?
At Swoosh, we keep things nice and simple. As long as you meet these four criteria, you can apply for a loan:
- Be 18 years or older
- Have been employed for at least 3 months
- Be a permanent resident or valid visa holder of Australia
- Own a vehicle (like a car or motorbike) registered in your name
Can I get a fast cash loan with bad credit?
Yes! We can offer fast approval on last minute loans, even if you have bad credit. Bad credit can happen to anyone, so we look at the ‘here and now’ of your situation. Our (human!) assessors will evaluate current bank statements and review each loan application individually. So you will always get a fair go with us.
Do you offer quick cash loans for Centrelink customers?
Yes, you can get approved for a small quick cash loan from Swoosh if you are on Centrelink. You will still need to meet our eligibility and lending criteria, and Centrelink cannot be your only income.
Why customers love Swoosh Quick Fast Cash Loans
Unlike other digital lenders, Swoosh puts you first. Customers prefer Swoosh because:
- We offer speedy approval
- The latest and safest banking technology is used
- Our service is 100% online (that’s right: no paperwork hassle)
- Our customer care team is friendly and always ready to help
- We always use human assessors (not computers!)
A responsible direct lender
At Swoosh, we keep you top of mind. And as responsible lenders, we always practise responsible, reliable, and trustworthy lending. Because of this, we only approve your application if we believe you have the ability to repay the loan over the life of the loan contract.
Check out our reviews to see what Swoosh customers love about our online fast cash loan service!
Confused? Don’t be.
We got you!
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
No reputable lender will be able to loan you money instantly. Responsible lenders are required to assess an applicant’s financial situation before approving a loan to ensure the applicant can afford the repayments. However, it is possible to get a cash loan approval from Swoosh as quickly as within one hour.
You need to be able to provide us with current bank statements, two forms of ID, as well as employment payslips.
You can easily get access to money today when you apply for a secured loan with Swoosh. The entire application process is online, even signing the contract, so there’s no need to wait for the banks to open. In most cases, you’ll receive the funds you need the very same day.
Apply with Swoosh online, providing all the requested information, and you could be approved within one hour (60 minutes).
As a responsible lender, we conduct credit checks on all applications. Credit checks are an important part of the application process and help to protect both you and the lender.
Online loans are 100% legal. However, as with anything, when looking for online loan providers you need to do your research to make sure you’re choosing a reputable lender. Swoosh has been helping out Aussies with quick cash since 2014 and our team is led by Brent McIntyre who has spent 20 years in the finance industry. Find out more on our About Us page.
At Swoosh, we work hard to make sure the cash is in your account as fast as possible. We’ll direct deposit the cash into your bank account within one business day of your loan approval. Contracts are signed electronically, so there’s no paperwork hassle.
If you return your contract by 3:30pm (AEST) time, your funds will be transferred overnight.
