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 got hit with an unfortunate car repair and now you need a small personal loan fast. Whatever the reason, you can get fast cash with Swoosh; our Last Minute Loans are here to get you the quick cash you need—even with bad credit.
Apply now with Swoosh and get your
last minute finance sorted
Why get a Last Minute Loan?
Our Last Minute Loans are popular with Australians for a reason. Our quick easy loans can help you with:
- 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!
Speedy application & fast approval process
We’ve worked hard to make our quick loans online application as quick and easy as possible. That way you can get your hands on last minute finance, fast. And because of this, our form is so user-friendly that applications take just minutes to complete.
How fast are we talking – like, 60 minutes?
We pride ourselves on our quick easy loans because we know you need the money now, and we’re here to make that happen. So, if an application is completed during normal business hours, our fast loan approval usually comes within one hour (60 minutes) of receiving all your information.
And then 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!
Last Minute Loan eligibility
We only require 4 application criteria:
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
If you meet these requirements, you can apply for a short term loan online and get a fast approval. Remember, it’s free to apply and applications can be paused or stopped at any time—there are no obligations resulting from the application.
Fees and interest rate details
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
| Loan amount | $2200 to $5000 |
| Application fee | $0 |
| Establishment fee | $400 |
| Other fees and charges | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Debit dishonour fee (if a scheduled payment is returned unpaid) | $35.00 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
Sign me up! How do I apply?
Our fast finance application process is super-easy.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. 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.
3. 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.
There’s no need to sign-up for an account. Find out more about how to get a loan with Swoosh or Apply Now
*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.
Why customers love Swoosh Fast Cash Loans
Unlike other digital lenders, Swoosh puts you first. Customers prefer Swoosh because:
- Our online application is fast and simple
- We offer consistently speedy approval
- We are reliable and on-time with funds
- 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
If you’re not sure if Swoosh is right for you, contact our customer care team today with questions or concerns.
A truly responsible 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.
We understand that bad credit can happen to anyone, and we look at the ‘here and now’ of your situation. So we offer our fast money loans after evaluating current bank statements and review each loan application on its own merit. This way we don’t solely rely on your credit history. This means you can get access to quick cash even with bad credit.
In addition, every application is reviewed by professional (human!) assessors who issue approvals based on responsible lending criteria. So you will always get human consideration on your loan, not just an automatic response from a machine.
Online, reliable service
With us, there are no queues, no hefty paperwork, and no worries. Everything is done 100% online—including signing the contract.
Our experienced team members know how to get you cash at the last minute—without any hassle.
Reach out today
If you have any questions or want to discuss your financial situation with a professional, contact us today.
FAQs
Where can I borrow money instantly?
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.
How can I get a personal loan immediately in one hour?
Apply with Swoosh online, providing all the requested information, and you could be approved within one hour (60 minutes).
How can I get money today?
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.
Testimonials
Garry Capewell
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Helen T
Nai “Friszy01” Frisjina
Michael Higgins
Jo Naisbitt
Brendan Hedges
Kaitlyn Rea
Dino Mcpherson
Graham Cowley
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
