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FAQs

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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.

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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.

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How can I apply for a loan online?

You can apply for a loan of $2000-$5000 online at swoosh.com.au—it’s completely free to apply!

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Is there a way to get an instant loan?

In order to practice 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!

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Why are Online Loans so popular?

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

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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.

Testimonials

Swoosh Finance Star Rating Nicole Halliwell
Ryan was extremely Friendly and helpful during the whole process
Nicole Halliwell
Swoosh Finance Star Rating Jeralie Emnace
Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless
Jeralie Emnace
Swoosh Finance Star Rating Kessy Tav
Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++
Kessy Tav
Swoosh Finance Star Rating Hızır reis Reis
Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜
Hızır reis Reis
Swoosh Finance Star Rating Steven Fitzgerald
Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…
Steven Fitzgerald
Swoosh Finance Star Rating Mia Toomey
I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.
Mia Toomey
Swoosh Finance Star Rating Carol Woodcock
Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again
Carol Woodcock
Swoosh Finance Star Rating Tony Mudge
Good friend lily people an quick approval
Tony Mudge
Swoosh Finance Star Rating Derek Walker
Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap
Derek Walker
Swoosh Finance Star Rating Renae Bowerman
Greatest company to deal with!!
Renae Bowerman
Swoosh Finance Star Rating Laura C
Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you
Laura C
Swoosh Finance Star Rating Grant Bottrell
Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽
Grant Bottrell
Swoosh Finance Star Rating Luke Wilson
Was great to work with was told it would be 24 hours before I found out as was the end of the day . By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes. Thanks
Luke Wilson
Swoosh Finance Star Rating muni howard
I recommend this company.
muni howard
Swoosh Finance Star Rating V Vegh
Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online
V Vegh
Swoosh Finance Star Rating Mark Atha
Excellent start to finish experience. The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.
Mark Atha
Swoosh Finance Star Rating Nicki Bunn
They took the time to look at my application and gave me options. Only thing I don’t like as an existing customer is if u wanna pay extra off ur loan or increase your repayments they charge u a fee
Nicki Bunn
Swoosh Finance Star Rating Maria Cabrera
Maria Cabrera
Swoosh Finance Star Rating Dimitrios Velingos
Dimitrios Velingos
Swoosh Finance Star Rating Jason Stanford
Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.
Jason Stanford
Swoosh Finance Star Rating Karyn Quinn
Been with swoosh for a few years now and they are a awesome company to deal with. Never had a problem with them at all.
Karyn Quinn
Swoosh Finance Star Rating Tracey Grounds
Tracey Grounds

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