Holiday Loans

We all deserve a holiday once in a while. That’s why we offer Holiday Loans, aka a Travel Loans, so you can have a chance to relax, unwind, and get away from it all. Whether it’s a week at the beach, a road trip to the snow, or jet setting interstate for a best friend’s wedding, all these things cost money and we have the cash loans to make it happen.

Learn more: Everything You Need To Know About Travel Loans

What is a Holiday Loan?

A Holiday Loan is a quick cash injection for your trip away, which you can pay off in regular, manageable installments.

How much can I get?

We all need a break sometimes, but it can be a struggle to save all the cash to pay for everything in one go. This is where a holiday loan comes in. We specialise in small loans for holidays from $2,100 to $5,000. Whether it’s to cover the cost of a family vacation or just a couple of nights’ accommodation for a romantic weekend getaway, Swoosh can finance your holiday.

Can I get a holiday loan with bad credit?

The simple answer is, yes, it is possible. We know that bad credit can happen to the best of us, so we look at your current financial situation and assess you on an individual basis. This lets us offer holiday loans for poor credit and bad credit. We want you to receive the help you need so we look at the bigger picture of your circumstances. Because we know that anyone is capable of building back a good credit score.

We pride ourselves on being responsible lenders, so we offer bad credit loans after evaluating current bank statements and assessing your current ability to repay the loan. Because of our focus on the present, not the past, we can a second chance to those who have been affected by a bad credit history. So you can get the cash you need without being held back by your past credit history.

Secured holiday loan term & fees

At Swoosh, we’re different to other lenders; we’re upfront and honest about our cost structure and process, so you know what you’re getting with your holiday loan.

Online cash loan amount	$2,100 to $5,000
Application Fee	$0 (even if your application is not approved)
Standard establishment fee	$400
Other Fees	$16 (included in loan)
Annual Interest	47% (Comparison Rate 66.0347%)**
Term length	12 Months
Flexible repayment options	Weekly, fortnightly or monthly (based on your payday)
Direct debit dishonour fee	$35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid

**Please note, 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.

Confused by loan jargon like “comparison rate” and “amortisation period”? We explain all in our Loan Terminology blog. You can also check out the FAQs at the bottom of this page or find even more answers to questions about our loans.

How to get a holiday loan

Eligibility

It’s easy to get a holiday loan with Swoosh. You just need to meet 4 simple criteria:

Be a permanent resident or valid visa holder of Australia
Over the age of 18
Have a regular income
Own a vehicle registered in your name

Our holiday loan application process is completely online and takes minutes to complete. We always use human assessors, not machines, and give every customer a fair go. After our quick application review process is done we will contact you for any further details.

Quick holiday loan application process

At Swoosh, we keep things simple. Getting a loan with us is as easy as 1, 2, 3.

1. Complete an online loan application on your mobile phone, computer or tablet. Applications only take 5 minutes.

2. Approval of your loan is provided within 60 minutes of receiving your 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 (electronically) signed the contract, we’ll send your quick holiday money directly to your bank account!

Repayment options for Swoosh holiday loans

At Swoosh, we like to make things stress-free. That’s why we offer flexible loan repayment schedules that align with your paydays.
Your repayment schedule can be automatically set for weekly, fortnightly, or monthly payments.

Why choose Swoosh holiday loans?

We pride ourselves on having one of the fastest, easiest, most streamlined travel loan processes on the market.

Rather than navigating tons of paperwork and dodging hidden costs, Swoosh works with you to offer the best possible secured holiday loans for your circumstances. It’s this kind of convenience that makes Swoosh one of Australia’s preferred small loan providers.

Responsible lending

It is important to remember that Swoosh is a responsible lender. This means that we will ensure we only loan to you what you can comfortably repay. We have a dedicated customer support team to help make sure your whole loan experience with Swoosh is one that you will be happy to repeat.

We’re looking out for you so you can enjoy your holiday stress-free – apply for a loan now or check out our blogs for some inspiration:

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Get your loan!

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.

FAQs

Can you get a loan to go on 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 anything between $2100 and $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 $2100 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

How much is a holiday loan?

You can borrow anywhere between $2100 and $5000.

Can you use a personal loan for a holiday?

At Swoosh, we don’t mind what you use your loan for. Whether you need quick cash for an emergency or a family holiday, 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. Applications are free and 100% online.

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.

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

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