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Hit with an unexpected bill and need a quick online Loan? Swoosh can help you get loans online fast through our easy loan approval process. You can borrow $2,200 to $5,000 with flexible repayment options. Our simple process gets you cashed up usually within a business day—and sometimes as fast as one hour.
Think small loans, think cash loans, think quick loans, think Swoosh.
Quick & easy online loan approval
What are online loans?
Online loans are easy loans because they’re done 100% online. There’s no need to wait in line at the bank, or print and scan mountains of paperwork. Just apply online, receive your loan offer via email, accept it, and then wait for the money to hit your account.
Looking for an instant approval loan? Need cash today?
With PayID loan transfers, you can get the cash in your account instantly!
You can use our fast cash loans for:
Family expenses
Car, truck, or van repair
Home improvements and renovations
Holidays, travel, concerts, and excursions
Help before the next payday
Our easy personal loans give you cash now, for something that can be repaid later.
How do online personal loans work?
With Swoosh, our easy online application process is just 3 simple steps:
1. Complete an online application form 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!
Find out more about how to get a loan with Swoosh.
*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.
Can I get an online loan with bad credit?
We offer easy loans for a wide range of credit scores. Because our online loans are based on your current situation, not your past credit reports, we’re able to offer loans for bad credit.
After evaluating your current bank statements, we assess whether you have the ability to repay the loan now, not some time in the past. This way we are able to offer a second chance to those who have been affected by their credit history and get you the cash you need today.
Online loan amounts, fees & term lengths
We offer secured loans from $2,200 to $5,000.
Tell us how much you need on your application and we’ll take care of the rest.
Term lengths for online loans
Our term length for short term loans is 12 months.
We simplify the repayment process to have payments fit your payday schedule. So you can make weekly, fortnightly, or monthly repayments (based on your pay schedule).
Easy online loan cost structure
At Swoosh, we communicate upfront and honestly. With us, there are no nasty surprises or hidden fees.
Here’s what to expect:
| Loan amount | $2200-$5000 |
| Application Fee | $0 |
| Establishment Fee | $400 |
| Other Fees | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Dishonour fee (if a scheduled payment is returned unpaid) | $35.00 |
Swoosh interest charges are calculated daily based on the outstanding balance. Interest rates are fixed for the term of the loan.
Find out more here: payday loans rates and fees
How to apply for an online loan?
You can get a loan online fast with Swoosh. As a trusted provider of small loans in Australia, we keep things simple, quick and easy. So you can borrow money online with confidence.
Our 100% online application only takes minutes—and can be done from a mobile phone, tablet, or computer. After a few questions, like how much money you need, we’ll handle the rest. And once we’ve gathered all the information we need, all eligible applicants will get almost instant approval on their loan.
Need more info? How to apply for payday loan online
Online loan eligibility
To apply for a Swoosh online loan, you need to meet these 4 criteria:
Be employed for 3 months or longer
Own a vehicle registered in your name
Be a permanent resident or valid visa holder of Australia
Be 18 years or older
It’s no obligation and free to apply with Swoosh, so our application can be paused or stopped at any time. So what are you waiting for? Apply for a loan online now.
Why choose Swoosh?
We’re different from other cash loan providers. We make our process simple and instant, and we make you the priority. So if you’re looking for the easiest online loan in Australia, check out our reviews, and you’ll know exactly where to go!
Our easy online loaning systems are highly secure and keep your information strictly confidential.
At Swoosh, we:
- Are on-time and reliable
- Ensure an easy and straightforward process
- Offer quick approval* with 100% online service
- Partner with you whenever you need it
Flexible repayment options for stress-free online loans
To make life easier, we offer repayment schedules that are personalised to you, which is what you’d expect from one of Australia’s best online loan providers.
All repayments are aligned with your paydays—and can be auto-set weekly, fortnightly, or monthly.
Got questions?
Our Customer Care team ensures your questions and concerns are heard and answered.
Contact us to get your questions answered, or to discuss your individual case.
Say goodbye to stress
End the worry of bills, expenses, and plans with friends. Apply online for a Swoosh loan today.
**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
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.
Testimonials
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
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
numi
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
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
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
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
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
Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️
Kaitlyn Rea
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
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
