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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.


What do you need for a cash loan?

You need to be able to provide us with current bank statements, two forms of ID, as well as employment payslips.


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.


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).


Can I get approved without a credit check?

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.


Are online loans legit?

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.


When will the cash be in my bank account?

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.


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