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Can I get instant approval?

Although we offer fast loan approval, we cannot offer instant outcomes. Because we are a responsible lender, we go through an approval process to ensure applicants are capable of making their loan repayments without suffering financial hardship. Swoosh always uses real people to assess your loan application so that you have to best chance at approval and, in most cases, we can approve your application the same day

You can, however, get paid almost instantly once approved with PayID Instant Loan Transfer.


Can I get a loan if I’m on Centrelink?

Yes, we can offer loans to those earning Centrelink. To qualify, you must also have been employed for at least 2 months and meet our eligibility and lending criteria.


Are online loans legit?

Online loans are 100% legal. However, as with anything, when looking for online loan providers you need to do your research to make sure you’re choosing a reputable lender. Swoosh has been helping out Aussies with quick cash since 2014 and our team is led by Brent McIntyre who has spent 20 years in the finance industry. Find out more on our About Us page.


Can I get a loan without a bank account?

No, as the funds are transferred directly into your account you will need a bank account to get a loan.


When will the cash be deposited in my account?

Once you return a signed contract electronically, we’ll deposit the funds directly into your bank account.

If your contract is returned by 3:30pm AEST time, the cash will be transferred to your bank overnight. If you’re with a ‘same day payment capable bank’—such as Commonwealth Bank, Westpac, NAB or ANZ—your funds will appear in your bank account within one business day.

Find out more: Same Day Loans


Why are online loans so popular?

Online loans are simple and quick—allowing you to receive your cash as soon as today.


What’s the easiest loan to get approved for?

Getting a small secured cash loan from Swoosh is super easy. It’s 100% online and you can apply at any time.


Can I get a cash loan without a credit check?

As a responsible lender, Swoosh does not offer no credit check loans. But because we service both people with bad credit and people with no credit history, this won’t impact most people’s chances of approval.


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