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When you’re in a bind and need fast cash now, Loans Against Cars are a popular option. These secured loans allow you to receive funds using your car as collateral because it’s a valuable asset that you own.
Get a secured loan against your car without the hassle
Learn more
How do loans secured against cars work?
Looking for a secured online loan? Our process is simple. Fill out the application and show that you own a vehicle, like a motorcycle or car. Because you own your vehicle, you have access to more loan options, helping you get the cash you need today.
While some other loan companies will keep your car for the duration of the loan, Swoosh is different. You can still keep driving your car while you are paying off your loan.
3 step process for loans against cars
We like to keep life simple and stress-free with our quick and easy 3-step process.
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 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 signed the contract, we’ll send the money directly to your bank account!
Can I get a loan on my car?
We’re all about helping one another, and that’s why we only have 4 criteria for our loans against cars.
Loan against car eligibility
You must be:
At least 18 years of age
Be a permanent resident or valid visa holder of Australia
Employed for 3 months or more
The owner of a vehicle registered in your name
Apply for a loan today for a super speedy answer. Remember that applications can be paused or stopped at any time — there are no obligations resulting from the application.
Cost structure for loans against cars
At Swoosh, we give you all of the information upfront. Here are all of the details on our secured collateral loans:
| Online cash loan amount | $2100-$5000 |
| Application fee | $0 |
| Standard establishment fee | $400 |
| Other Fees | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly or monthly (based on your paydays) |
Interest rate details
Our interest rates are fixed for the term of the loan — making things easy and straightforward. Rates are calculated daily on the outstanding balance.
Debit dishonour fee
A $35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid. You must still continue to pay the usual interest charges as described.
Can I get a loan against a car if I have bad credit?
Yes, it is possible! Our car collateral loans are based on your current situation, not your past credit reports – this is why we offer bad credit loans.
After evaluating current bank statements we determine whether you have the ability to repay the loan. This way we don’t solely rely on a credit check – bad credit history follows thousands of Australians each year and we at Swoosh understand that this can happen to anyone. So if you’re able to pay off the loan now, you can borrow money against your car and get your cash flow sorted.
Not sure if you have bad credit? You can check your history and get your credit report for free!
Why get a loan against your car?
Swoosh customers find that getting a loan by using their car as collateral is perfect for situations like:
Family emergencies and expenses
School tuition and training programs
Upcoming weekend, holiday, or travel plans
Anything else that’s urgent and can be repaid later
The Swoosh difference
At Swoosh, we understand that unexpected events and emergencies happen that you’re unable to budget for in advance.
When you choose Swoosh for your loan, you benefit from these services:
- An easy online application that can be completed from a smartphone, tablet, or computer
- Super speedy loan approval (usually within 1 hour of receiving all your information during business hours)*
- Direct deposit of the funds into your bank account
- Flexible repayment options
- A 100% secure online process
- No hidden fees or nasty surprises
- Friendly and helpful customer care team
Our commitment to responsible lending
At Swoosh, we always practise reliable, responsible, and trustworthy lending. We share our cost structures upfront, and only approve applications when we know they can be repaid. Unlike other digital lenders, every application is reviewed by a professional (human!) assessor — always following responsible lending criteria.
No worries
We are here to help — not to add more stress. We communicate details up front and stay in touch with you throughout your loan term. And when you have questions, you can contact our easily accessible customer care team.
Personalised support
Our Customer Care team is trained to help people, no matter their circumstance.
If you have any questions or want to review your personal situation with a professional, contact us today.
Got questions?
Contact us to get your questions answered, or to discuss your individual needs.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.
FAQs
How do I get a loan against my car?
With Swoosh, you can apply in minutes and get a small loan against your car whenever you need it.
Is the loan process online or in-person?
Our process for a loan against your car is 100% online. You can apply 24/7 to borrow some quick cash through our simple application form.
How to check if a car has a loan against it?
You can check if a car is being used as security for a loan in Australia by looking it up on the register of encumbered vehicles.
Can I get a loan against my car for personal use?
Yes, Swoosh offers secured small personal loans. And you can use your personal loan for anything you like!
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
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.
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
