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If life’s thrown you a curveball, you might find yourself looking for instant approval loans. As a responsible lender, Swoosh does not offer instant approval. Instead, we offer something better—fast, fair, and responsible emergency loans with simple criteria and no hidden surprises. And if you’re in a jam and worried about a low credit score, we’ve got you covered there too with our bad credit loans.
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Do instant approval loans really exist?
“Instant approval loans” are often advertised as loans you can apply for and get approved for in a matter of seconds or minutes, no matter your financial situation. But in Australia, lenders must comply with strict regulations under the National Consumer Credit Protection Act. That means responsible lenders need to assess your financial situation before offering you a loan. So while some lenders may promise instant decisions, these offers can come with risks like high interest rates, short repayment terms, and minimal checks.
Swoosh is 100% Aussie-based and fully committed to responsible lending. That’s why we take the time to ensure our loans are right for you. Our process is fast, but never rushed.
How quickly can I get approved?
Approval times can vary depending on the lender, the type of loan, and how quickly you provide the required information. Generally, lenders will need to assess your income, expenses, and ability to repay before making a decision.
At Swoosh, we know how important it is to get the funds you need as soon as you need them. Once your loan is approved and your contract is signed, we can send your funds using PayID, so the money could land in your bank account within seconds.
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How can you speed up your loan approval?
Want to speed things up? There are a few simple things you can do to help move your application along:
- Double-check your details: make sure all your personal and banking info is correct
- Have your documents ready: we’ll need your ID, bank statements, and proof of income
- Keep an eye on your messages: we may get in touch if we need anything else
- Be upfront: the more accurate your information, the faster we can process it
The faster we can verify your details, the faster we can give you an outcome.
How to get a fast loan
Our easy online application takes just minutes! Apply anytime, anywhere in just 3 quick steps:
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. 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.
3. 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.
*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.
Find out more: How to get a loan
FAQs
How do you get a loan when no one else will approve you?
If you’ve been knocked back by other lenders, don’t panic. It doesn’t mean you’re out of options. Start by checking your credit report for any errors and make sure you can show steady income. Applying with a lender like Swoosh, who looks at your overall financial situation (not just your credit score), can improve your chances. Even if your credit history isn’t perfect, we may still be able to help.
What if I need cash today?
While Swoosh doesn’t offer instant cash loans, we do move fast! Our online application only takes minutes, and as long as we get your info quickly and you apply early, there’s a good chance your funds will be transferred that same day.
Testimonials
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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
