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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 and Fast Cash Loans are here to get you the quick cash you need—even with bad credit.
How to get loan approved immediately?
How to get a cash loan fast
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. Our online form takes just minutes to complete & is available 24/7.
Why get a quick fast cash loan?
Our quick online loans are popular with Australians for a reason. Our fast 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!
How do quick fast 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 fast 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!
Quick cash loan eligibility
We only have 4 criteria for you to be eligible to apply for a quick 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
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.
Apply for a fast cash loan
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.
*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 cash loan today
Rates and fees
We like to keep things simple with our quick and fast loans.
| 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) |
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
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.
Why customers love Swoosh 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
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.
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.
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.
Testimonials
sam johnston
Donna Moroney
clint bindley
Eric & Zephy
Melissa Wilson
Tales from the Crypto
Naseer Mansour
Tohi Ridings
J R
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
