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Are no credit check loans safe?

If you apply with a reputable business, then it is safe to apply for a no credit check loan. These types of loans can often be used by scammers or companies with dodgy business practices, so make sure to do your research before offering any personal or sensitive information.

Even if the business is legit, it can be easy to fall into a debt trap with the very high interest and short repayment term that often goes with these loans. If you find yourself in need of help, there are plenty of resources available, like the National Debt Helpline.


Why was my loan declined if there was no credit check?

Sometimes lenders will do a pre-qualifying check on your application or conduct a ‘soft credit check’ that does not show up on your file. Each business will have a different process, but things like your recent bank statements, income, and employment history are often part of the assessment process. If you don’t meet these requirements, then your loan application will generally be rejected.

Need some more help? Check out our great tips for getting a loan when you keep getting declined.


Who gives loans when no one else will?

Swoosh Finance offers small secured loans to a wide range of Aussies. Our easy online application and simple criteria will get you the cash you need in no time!


Swoosh Finance Star Rating sam johnston
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh Finance Star Rating Naseer Mansour
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
Great service..very helpful and hands on with customers. Process went smooth n fast. Thanks you Ana for your great help .much appreciated
Swoosh Finance Star Rating Shayne Khan
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...
Shayne Khan

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