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. Well, whatever the reason, our Last Minute Loans are here to get you the quick cash you need.

Apply now with Swoosh and get your last minute finance sorted

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Why get a Last Minute Loan?

Our Last Minute Loans are popular for a reason. They can help you deal 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!

Swoosh Finance last minute loans helping woman enjoy her holiday

Our speedy application process

We’ve worked hard to make our online application form and process 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?

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’re here to make life a little less stressful. That’s why 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 now for a speedy 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	$2100 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. Apply Now

Why customers love Swoosh Last Minute 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 cash 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.

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.

Still have questions about our payday loans rates and fees?

*Speed of approval is conditional to receipt of all requested relevant documents/information.

**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.

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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.

Testimonials

Fast and officiant, Hannah was really great always kept updating me on what I needed to do, definitely a great experience, please give her a payrise

Nathan Tivalu

Carin was extremely helpful + personable throughout my experience. A great asset to the team!

Madison Coster

Carin was great to deal with thanks

Tommy Montana

Fast service. Thanks Ana

Sherwin Zuidema

Tamara at Swoosh has been very very helpful Steve

Steve Bock

thanks Sophie for your prompt response well done😊

Andrea “Andy dann” Dann

Wonderful team, Carin was great to deal with, made it all a simple and easy procedure.

Ibrahim Omay

I am happy with the prompt service of Swoosh. They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way. Thank you very much.

Sena Dire mulata

Carin has been fantastic through the application process. Keep up the great work Carin. 😁

Julie Vaigafa

Great to deal with and easy to apply. Very understanding of your individual situation Big thanks to Carin for her help :-)

James Hocking

Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.

NUGGET gaming

I have received great assistance from Ana and I'm happy with the outcome of my application

Luke lee Boslem

Danz Mojae

Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!

Beau

I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana

Tanielle Oleary

Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance

Nookorn Young

The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!

farizzudin mohamad taib

Very happy customer have had nothing but good service when topping up

Stephen Cornish

Always very friendly customer service and always very prompt.

Julie Fisher

Carin was very helpful 😁

Brittney

Great customer service!

William Schweinheim

Very happy with the service have used these guys a few times and will keep on using them

Sam Blaschek

Good fast service and reliable credit facility. Highly recommend Swoosh finance

Rebecca King

Excellent service with minimal fuss, highly recommend

Robert Jarrett

Very prompt and professional. Would borrow from them again

adele Wright

Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌

samantha french

Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me Thank you swoosh

jasmin andrews

At first the application was rejected but following day was advise it will be reassessed. Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend

Jay E

Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation. He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement. I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client. Kindest regards CJS

Cory Sims

Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.

Livia Faatiarau

Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!

Michael McQuade

My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.

PRISCILLA JANE

Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours. Very responsive, very happy with the outcome.

Sarah Tepuni

Superfast , no delays once already have/ had a loan

Ryker Natural Products

A++++

Winifred Angel Roycroft

Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.

Holly Toolin

After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.

Carol Schobbe

Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂

Nikita Gorogo

Swoosh was really good in understanding and service was great and pretty quick as well.

Denis V

They did good job and at a reasonable rate.

James Cross

i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.

adrian brewer

By far the best loan experience out of four others that I have dealt with. All staff are great ive dealt with are great. Fast responce through bot and email with up to date information so I wasn't left wondering. 10/10

daniel s

Very quick and so easy thanks

John Knoll

Quick and easy

Lyndell Gibson

Very helpful and fast process. I'd recommend them to anyone as their repayments are fair and affordable. Thank you Swoosh.

darren archer

Easy to deal with and done in quick time.

Allan Mahoney

Ryan was extremely Friendly and helpful during the whole process

Nicole Halliwell

Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless

Jeralie Emnace

Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++

Kessy Tav

Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜

Hızır reis Reis

Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…

Steven Fitzgerald

I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.

Mia Toomey

Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again

Carol Woodcock

Good friend lily people an quick approval

Tony Mudge

Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap

Derek Walker

Greatest company to deal with!!

Renae Bowerman

Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you

Laura C

Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽

Grant Bottrell

Was great to work with was told it would be 24 hours before I found out as was the end of the day . By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes. Thanks

Luke Wilson

I recommend this company.

muni howard

Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online

V Vegh

Excellent start to finish experience. The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.

Mark Atha

They took the time to look at my application and gave me options. Only thing I don’t like as an existing customer is if u wanna pay extra off ur loan or increase your repayments they charge u a fee

Nicki Bunn

Maria Cabrera

Dimitrios Velingos

Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.

Jason Stanford

Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.

Karyn Quinn

Tracey Grounds

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

Apply Now

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Last Minute Loans