Holiday Opening Hours Click here



Can you get a loan for a holiday?

Yes! And boy, do some of us need it after the year we’ve had. Just apply online with Swoosh for a secured loan of up to $5000 and you could be heading off on your trip sooner than you think.


How do holiday loans work?

At Swoosh, our holiday loans are secured quick and simple cash loans of between $2200 and $5000. Some people call them Payday Loans. Use the repayments calculator on this page to tell us how much you’d like to borrow and find out what you’d have to repay each week, fortnight or month (whatever’s easiest for you).

Learn more: How to apply for a payday loan online


Can you use a personal loan for a holiday?

At Swoosh, we don’t mind what you use your loan for. If you’re an Australian citizen or permanent resident, at least 18, own a vehicle and are employed in some way, you’re eligible to apply for a travel and holiday loan. Applications are free and 100% online.


Can I take a loan and travel?

Sure! Whether you’re planning a week’s holiday or an extended period of travel, you can take out a personal loan with Swoosh.


How quickly can I get my holiday loan?

Since our application and approval process is 100% online, in most cases, if you supply all the information we need, we can transfer the money to you that same day.


What will my repayments be?

Use the repayments calculator on this page to find out what you’d need to repay. We take a flexible approach to repayments so you can make repayments to your loan every week, every fortnight, or every month—whichever works best for you.


Are vacation loans worth it?

That really depends on you. Sometimes what you really need after a long and stressful year is just to get away for a while. And a holiday loan can help you get the extra cash you need to make it a reality. As long as you’re comfortable with the loan terms and repayment schedule, a holiday loan could be worth it for you.


Can I get a holiday loan with no credit check?

As responsible lenders in Australia, we do not offer no credit check loans. We need to verify your financial situation to ensure you can reasonably afford to service the loan. This is an important step in the loan application and approval process. If you are worried that a bad or poor credit score might hold you back, then check out our bad credit loans.


Do holiday loans affect credit rating?

These are some of the key ways a personal loan for a holiday can affect your credit rating:

  • Making payments on time and managing your debt responsibly will help improve your credit score over time.
  • ‘Hard checks’ on your credit file during the application process will cause a temporary dip in your credit score.
  • Any missed payments and defaults will have a negative impact on your credit score.

Find out How to Check Your Credit Score in Australia and stay on top of your credit file. Or find out more about how personal loans could help improve your credit score.


Swoosh Finance Star Rating Garry Capewell
My refinance loan application was very easy and straight forward to navigate and complete and the prompt response to the application was very pleasing, very professional and with a fast turn around. Special mention going out to your staff member Coen for his prompt responses and professionalism in regards to my application.😊
Garry Capewell
Swoosh Finance Star Rating numi
My experience with Hannah and Kate was so great. They both helped me through with my application very respectfully and helped went through the steps to get me through to the final steps to assess my application. Swoosh. Finance is the best
Swoosh Finance Star Rating Helen T
Ally has been spot on with her responses! Super and fast and reliable via email. She has been helpful throughout my application. 10/10 would recommend asking for ALLY if you choose to go with Swoosh.
Helen T
Swoosh Finance Star Rating Nai “Friszy01” Frisjina
My experience with swoosh has been a good one. Stacey and Cohen have been very helpful towards helping me applying for a loan. I would recommend this services to my friends and family. I would defiantly come back in the future. Thanks swoosh team you guys have been very helpful.
Nai “Friszy01” Frisjina
Swoosh Finance Star Rating Michael Higgins
Very happy with the help I got from the lady on the phone whose name was jade. Would like a bit more updates on the progress but all in all very happy with the people.
Michael Higgins
Swoosh Finance Star Rating Jo Naisbitt
Great experience with this finance company over the years. They always do everything they can to help you and the turn around is very fast. Coyen is super helpful and a pleasure to deal with. His impeccable customer service and friendly nature is an asset to your business. Keep up the great work Coyen and Swoosh.
Jo Naisbitt
Swoosh Finance Star Rating Brendan Hedges
I’ve had a very stressful week and when I needed help I went to swoosh finance and they were swift to give me the helping hand I needed, Jelena was especially super helpful with quick responses and made the whole process very easy. Will definitely go through swoosh again 👍
Brendan Hedges
Swoosh Finance Star Rating Kaitlyn Rea
Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️
Kaitlyn Rea
Swoosh Finance Star Rating Dino Mcpherson
Olivia was very helpful. Kept it simple for me to understand. Responded to my replies within minutes. 10 out of 10 for being professional and straight forward with what I needed to do. Have a good day!
Dino Mcpherson
Swoosh Finance Star Rating Graham Cowley
I would like to thank Kate for her help today much appreciate her effort. She is very easy to deal with and very helpful. Thank you
Graham Cowley

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