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Hit with an unexpected bill and need an quick Online Loan? Swoosh can help you get loans online fast with our easy loan approval process. You can borrow $2,100 to $5,000 cash with flexible repayment options. Our simple process gets you cash usually within a business day—and sometimes as fast as one hour.
Learn more: How To Get a Quick Loan Approval in Australia
What are online loans?
Online loans are loans that can be applied for—with all information submitted, reviewed and approved—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, then wait for the money to hit your account.
You can use small online loans for:
Family expenses
Car, truck, or van repair
Home improvements and renovations
Holidays, travel, concerts, and excursions
Help before the next payday
Quick loans give you cash now, for something that can be repaid later.
How do online 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!
Can I get an online loan with bad credit?
We offer loans for a wide range of credit scores. Because our loans are based on your current situation, not your past credit reports, we can offer bad credit loans.
We offer small cash loans after evaluating 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 $2,100 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 | $2100-$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 one of the most trusted providers 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 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 loans online that are available. 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.
You can have funds in your account in a matter of hours from when we receive the required information from you.
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 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.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
**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.
How can I apply for a loan online?
You can apply for a loan of $2100-$5000 online at swoosh.com.au—it’s completely free to apply!
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!
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.
Testimonials
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
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric L Rose
Hannah was very helpful and always got back to me promptly
Mena Baines
Stacey and Ana from swoosh was very helpful in my enquiry and assisting me over a 2 day period to process my application. She made this experience very easy for me and her customer service is next level. Would definitely recommend asking for Stacey or Ana for any future applications. Thankyou so much for your help
Pacey Tusiupu
I would like to thank Ana for making my application so easy and fast, very happy with this company they have always helped me when ever I have needed
Belinda Whitby
Fast and officiant, Hannah was really great always kept updating me on what I needed to do, definitely a great experience, please give her a payrise
Nathan Tivalu
Carin was extremely helpful + personable throughout my experience. A great asset to the team!
Madison Coster
Carin was great to deal with thanks
Tommy Montana
Fast service. Thanks Ana
Sherwin Zuidema
Tamara at Swoosh has been very very helpful
Steve
Steve Bock
thanks Sophie for your prompt response well done😊
Andrea “Andy dann” Dann
Wonderful team, Carin was great to deal with, made it all a simple and easy procedure.
Ibrahim Omay
I am happy with the prompt service of Swoosh.
They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way.
Thank you very much.
Sena Dire mulata
Carin has been fantastic through the application process. Keep up the great work Carin. 😁
Julie Vaigafa
Great to deal with and easy to apply.
Very understanding of your individual situation
Big thanks to Carin for her help :-)
James Hocking
Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.
NUGGET gaming
I have received great assistance from Ana and I'm happy with the outcome of my application
Luke lee Boslem
I am happy with the prompt service of Swoosh.
They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way.
Thank you very much.
Danz Mojae
Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!
Beau
I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana
Tanielle Oleary
Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance
Nookorn Young
The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!
farizzudin mohamad taib
Very happy customer have had nothing but good service when topping up
Stephen Cornish
Always very friendly customer service and always very prompt.
Julie Fisher
Carin was very helpful 😁
Brittney
Great customer service!
William Schweinheim
Very happy with the service have used these guys a few times and will keep on using them
Sam Blaschek
Good fast service and reliable credit facility. Highly recommend Swoosh finance
Rebecca King
Excellent service with minimal fuss, highly recommend
Robert Jarrett
Very prompt and professional. Would borrow from them again
adele Wright
Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌
samantha french
Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me
Thank you swoosh
jasmin andrews
At first the application was rejected but following day was advise it will be reassessed.
Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend
Jay E
Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation.
He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement.
I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client.
Kindest regards
CJS
Cory Sims
Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.
Livia Faatiarau
Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!
Michael McQuade
My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.
PRISCILLA JANE
Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours.
Very responsive, very happy with the outcome.
Sarah Tepuni
Superfast , no delays once already have/ had a loan
Ryker Natural Products
A++++
Winifred Angel Roycroft
Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.
Holly Toolin
After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.
Carol Schobbe
Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂
Nikita Gorogo
Swoosh was really good in understanding and service was great and pretty quick as well.
Denis V
They did good job and at a reasonable rate.
James Cross
i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.
adrian brewer
By far the best loan experience out of four others that I have dealt with.
All staff are great ive dealt with are great.
Fast responce through bot and email with up to date information so I wasn't left wondering.
10/10
daniel s
Very quick and so easy thanks
John Knoll
Quick and easy
Lyndell Gibson
Very helpful and fast process.
I'd recommend them to anyone as their repayments are fair and affordable.
Thank you Swoosh.
darren archer
Easy to deal with and done in quick time.
Allan Mahoney
Ryan was extremely Friendly and helpful during the whole process
Nicole Halliwell
Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless
Jeralie Emnace
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
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
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
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
Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again
Carol Woodcock
Good friend lily people an quick approval
Tony Mudge
Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap
Derek Walker
Greatest company to deal with!!
Renae Bowerman
Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you
Laura C
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
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
I recommend this company.
muni howard
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
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
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
Maria Cabrera
Dimitrios Velingos
Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.
Jason Stanford
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
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
