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We all deserve a holiday once in a while. That’s why Swoosh offers Holiday Loans, aka 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 $2,000 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, enabling us to offer holiday loans for poor credit. We want you to receive the assistance 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 can offer bad credit loans after evaluating current bank statements and assessing whether the applicant has the ability to repay the loan now. In this way, we are able to offer a second chance to those who have been affected by a bad credit history, getting them the cash they need.
Loan term & fees: What does it cost?
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 | $2,000 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 |
Our Secured Loan fee structure is:
Establishment fee: $400, APR 47%, Term: 12 months.
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 and find even more answers to questions about our loans here.
How do I apply for a Holiday Loan?
To apply for a Swoosh Holiday Loan, you just need to be a permanent resident or valid visa holder of Australia, over the age of 18, have a regular income, and own a vehicle registered in your name. Contact us today if you’re not sure whether you can apply.
Our application process is completely online and takes minutes to complete. Our expert team of (human!) assessors will quickly review your loan application and contact you for any further details. Your information will always be safe with us.
Our speedy 3 step process
At Swoosh, we keep things simple.
Step 1. Complete an online loan application on your mobile phone, computer or tablet. Applications only take 5 minutes.
Step 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.
Step 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
At Swoosh, we like to make things stress-free.
That’s why we offer flexible loan repayment schedules that align with your paydays.
Repayments can be automatically set for weekly, fortnightly, or monthly payments.
Why choose Swoosh for a Holiday Loan?
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 circumstance, quickly. 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 blog for some inspiration:
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 $2000 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 $2000 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 $2000 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
PRISCILLA JANE
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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
