As a responsible direct lender in Australia, Swoosh does not offer guaranteed payday loans no matter what. We do offer small payday loans with easy approval and bad credit loans for people with low or even very bad credit. That way every Aussie can get a fair chance at being approved.
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Are there any guaranteed payday loans?
Do no-refusal loans actually exist? Responsible Australian lenders cannot offer guaranteed payday loans no matter what. There are strict rules and regulations in place to protect borrowers from unethical lending practices.
Can you get guaranteed payday loans no matter what with no credit checks?
Some lenders offer no credit check loans when they use alternative methods of checking your creditworthiness. These tend to be for small amounts of money and use an asset as collateral.
Swoosh Finance does not offer no credit check loans but we do offer bad credit loans for those whose past credit history still holds them back. As long as you can afford to service the loan now, you can apply online at any time.
How to get a guaranteed payday loan
While nothing can 100% guarantee loan approval, there are a number of things you can do to improve your chances of being approved. Here are a few tips to help:
- Use a guarantor loan: Guarantor loans can help improve your chances of loan approval by adding another layer of security for the lender.
- Apply for a small amount: Applying for a small amount of money, like a small cash loan, can improve your chances of loan approval. The lower amount of money reduces the risk to the lender and applications can be processed faster.
- Look for lenders offering bad credit loans: Bad credit loans are generally offered by lenders who use alternative assessment processes. This means that even if you cannot get approved at a traditional bank or lender, you could still be eligible with a bad credit score lender.
- Explore secured loans: Loans that are secured by a car or other asset can have easier approval requirements than unsecured loans. They also tend to come with lower interest rates.
Are there emergency loans with guaranteed approval?
If you need to get cashed up ASAP, here are just a few of the options open to you:
- Check the urgent help with money Government page
- Find an Emergency Relief Program near you
- Small Emergency Loans
You can also check out some fast ways to make money in Australia.
Apply for an easy approval loan today
You can apply for a payday loan online with Swoosh and get cashed up in just 3 steps!
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Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
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Approval of your loan is provided within 60 minutes of you providing require information (during business hours)*. The decision will arrive promptly – right in your inbox.
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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.
Check out our bad credit loans or apply online today and get cashed up ASAP.
*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.
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FAQs
Got questions? We’ve got answers. Find find out more about applying, repayment, eligibility, credit & more.
The easiest loans to get tend to be for a small amount of money and secured by an asset.
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
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.
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.
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.
