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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.


Is there a way to get an instant loan online?

In order to practise responsible lending, online loan providers must go through an approval process to ensure applicants are capable of making their loan repayments without suffering financial hardship. This takes time. But at Swoosh, our loan specialists are on-hand to assess your application within minutes of receiving it and, in most cases, we can approve your application within one business hour. In the world of loan applications, that’s pretty instant!


Why are online loans so popular?

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


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


Just how easy are your easy loans?

Super easy! Just apply for a loan of $2200-$5000 online – it takes less than 5 minutes and it’s completely free to apply. You’ll need some bank statements, ID, and payslips. Our assessors will review your application immediately and, in most cases, you’ll receive the funds the very same day.


Swoosh Finance Star Rating Garry Capewell
My refinance loan application was very easy and straight forward to navigate and complete and the prompt response to the application was very pleasing, very professional and with a fast turn around. Special mention going out to your staff member Coen for his prompt responses and professionalism in regards to my application.😊
Garry Capewell
Swoosh Finance Star Rating numi
My experience with Hannah and Kate was so great. They both helped me through with my application very respectfully and helped went through the steps to get me through to the final steps to assess my application. Swoosh. Finance is the best
Swoosh Finance Star Rating Helen T
Ally has been spot on with her responses! Super and fast and reliable via email. She has been helpful throughout my application. 10/10 would recommend asking for ALLY if you choose to go with Swoosh.
Helen T
Swoosh Finance Star Rating Nai “Friszy01” Frisjina
My experience with swoosh has been a good one. Stacey and Cohen have been very helpful towards helping me applying for a loan. I would recommend this services to my friends and family. I would defiantly come back in the future. Thanks swoosh team you guys have been very helpful.
Nai “Friszy01” Frisjina
Swoosh Finance Star Rating Michael Higgins
Very happy with the help I got from the lady on the phone whose name was jade. Would like a bit more updates on the progress but all in all very happy with the people.
Michael Higgins
Swoosh Finance Star Rating Jo Naisbitt
Great experience with this finance company over the years. They always do everything they can to help you and the turn around is very fast. Coyen is super helpful and a pleasure to deal with. His impeccable customer service and friendly nature is an asset to your business. Keep up the great work Coyen and Swoosh.
Jo Naisbitt
Swoosh Finance Star Rating Brendan Hedges
I’ve had a very stressful week and when I needed help I went to swoosh finance and they were swift to give me the helping hand I needed, Jelena was especially super helpful with quick responses and made the whole process very easy. Will definitely go through swoosh again 👍
Brendan Hedges
Swoosh Finance Star Rating Kaitlyn Rea
Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️
Kaitlyn Rea
Swoosh Finance Star Rating Dino Mcpherson
Olivia was very helpful. Kept it simple for me to understand. Responded to my replies within minutes. 10 out of 10 for being professional and straight forward with what I needed to do. Have a good day!
Dino Mcpherson
Swoosh Finance Star Rating Graham Cowley
I would like to thank Kate for her help today much appreciate her effort. She is very easy to deal with and very helpful. Thank you
Graham Cowley

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