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Hit with an unexpected bill and need a quick online Loan? As a direct lender, we can help you out with a fast loan online today in Australia! With our easy loan approval process, you can borrow $2,200 to $5,000 fast.
How to get quick 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. So whether you’re in Melbourne, Sydney, Brisbane, or anywhere else in Australia, you can get an online loan today!
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 transferred into your account instantly! And our fast processing times mean you can often get same day approval on your loan. That’s pretty close to an instant result!
You can use our fast approval loans for:
Family expenses
Car repairs
Home improvements & renovations
Holidays
Help before the next payday
How do online loans work?
We offer secured loans from $2,200 to $5,000 with a short loan term of 12 months and no monthly fees. We simplify the repayment process to have payments fit your payday schedule, with either weekly, fortnightly, or monthly repayments.
Apply for a personal loan online
Here’s how you can apply online for a fast cash loan with Swoosh in just 3 quick 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!
Borrow money quickly online today
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.
Online loan eligibility
To apply for a Swoosh loan online, you need to meet these 4 criteria:
Employed for 3 months or longer
Own a vehicle registered in your name
Permanent resident or valid visa holder of Australia
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 now.
Rates and fees
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
Do you do payday loans for bad credit?
Yes! 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. This way we can offer a second chance to those who have been affected by their credit history.
Can I get an online loan with no credit check?
At Swoosh, we believe that your credit rating isn’t the ‘be all and end all’. So while we do not offer ‘no credit check loans‘, we do base your loan offer on your current financial situation not your past credit history.
Do you offer online loans for Centrelink customers?
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.
What makes our quick online loans the best?
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!
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
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.
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.
Testimonials
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
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
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
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
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 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
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Great service..very helpful and hands on with customers. Process went smooth n fast.
Thanks you Ana for your great help .much appreciated
J R
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
