Holiday Opening Hours Click here



What are the easiest loans to get?

The easiest loans to get tend to be for a small amount of money and secured by an asset.


Why is nobody giving me a loan?

There are many reasons why your loan application might get declined. Some common reasons include:

  • Credit score is too low
  • Income is inconsistent or too low
  • Just changed jobs
  • Too much debt already
  • Poor repayment history
  • Active defaults listed on credit file
  • Mistakes in credit report

How can I get a loan when no one will accept me?

If you’re not sure why you have been declined, ask for clarification from the lender so you know where the problem is. If you need a loan ASAP but keep getting declined, check out some possible solutions.


What loan can I get approved for with no credit?

Swoosh offers loans for people with no credit history. So as long as you can afford to service the loan, a limited or non-existent credit history won’t hold you back from approval.


What are better alternatives to using payday loans?

Payday loans can be a helpful tool for the right situation but they are not your only option, which is why it’s important to consider all your options before making a decision.

Check out some of these useful blogs for information on some of your options.


Swoosh Finance Star Rating Vin HUCH
Kacey, was awesome very helpful and kept me in the loop the entire time doing his best to get all my info etc sorted.
Swoosh Finance Star Rating Nesia Honey
Isabella who looked after me during the process was really straightforward and made it easier to understand. Always got back to me faster than most, very good!
Nesia Honey
Swoosh Finance Star Rating Jaye Hema
I've had nothing but amazing service. Awesome customer support and available anytime I have a query. Keep doing what you are doing. FABULOUS👍👍
Jaye Hema
Swoosh Finance Star Rating Emily Jayne
I spoke with Annie this morning via live chat in regards to an urgent matter. I have struggled to get an answer the last few business days. I explained my concerns and advised what I needed done by COB today. She listened to me and confirmed all details in regards to correspondence. She advised she personally messaged a delegate to action my request and advised this can be done today. Her customer service was fantastic. She listened to each of my concerns and actioned it accordingly. I was concerned my problem wouldn’t be resolved however she made me feel at ease with her prompt response. She’s fantastic
Emily Jayne
Swoosh Finance Star Rating jo-anne scott
I always have no trouble going through the process of a loan, especially with Jade helping me meet the requirements I need to go forward. Jade is courteous, patient, and replies promptly. Always a no fuss easy process
jo-anne scott
Swoosh Finance Star Rating Michelle Garth
The Swoosh Team.. This is not the first time with this company.. It has always been a successful outcome for me when it comes to finance with Swoosh.. HUGE thanks to *Stacey in VIP * Very professional and extremely helpful and polite.. A BIG thanks to *Brandon* in finance for helping with the final outcome. .. In a bind? Try Swoosh.. You won't believe how wonderful and hassle free they are to help when you need it the most. Michelle Garth
Michelle Garth
Swoosh Finance Star Rating kimmee Nguyen
Thank you ever so kindly for all your efforts on this journey, to the team at Swoosh Finance! Well done! Thank you Harry!😊 Thank you Ally Young🌸 Cheers, Kim 🎀
kimmee Nguyen
Swoosh Finance Star Rating Loretta Ferraloro
Kacey was responsive (returned my call even without me leaving a message), was very professional and her demeanor was bubbly which is what you want from a service provider. Was informative and did not leave me feeling as if I had missed anything as Kacey ran through what next steps would look like
Loretta Ferraloro
Swoosh Finance Star Rating Nessa Gasu
I spoke to Jelena, and she was really helpful and understanding, excellent customer service and professionally all around. Thank you Jelena you've made my day with this simple phone call. Thank you😀👏
Nessa Gasu
Swoosh Finance Star Rating Josh Mafi
Awesome and easy to communicate with in regards to my application. Kacey was easy to communicate with to understand what information I needed to convey to further my application. Cheers
Josh Mafi

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