While paydays are fairly predictable, life is not. And the gap between receiving an unexpected bill and your pay hitting your bank account can create a huge amount of stress. Emergency and unplanned expenses can happen day or night and you could find yourself needing a quick cash loan in between paydays.
This is where the Payday Loans from Swoosh can help.
A Payday Loan is a short-term loan that can spot you in between pay cheques. It lets you continue on with your life while having enough money to pay for any unexpected expenses. You can use payday cash loans to pay for anything – car repairs, household repairs, childcare fees or emergency medical bills.
How much can I borrow?
You can borrow between $2,000 and $5,000 in between paydays for urgent, unplanned expenses. Swoosh Payday Loans are an easy and 100% online way of getting access to money fast.
How quickly can I get a Payday Loan?
When you’re looking for a loan between paydays, we understand that it’s urgent. So we’ve made it super-fast and easy to apply for our online loans.
Our 100% online application only takes minutes to fill out. Once received, we can get you the money you need on the same day.
For more information: How to Apply for Payday Loan Online
Am I eligible to get a Same Day Payday Loan?
To be eligible to borrow money with Swoosh, you only need to meet the following simple criteria:
Be at least 18 years old
Be employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
Can I still get a Payday Loan even if I have bad credit?
Yes, it is possible. Your credit history is exactly that – history. We believe in responsible lending and consider every rent loan application on its individual merit.
Fees and interest rates:
Our Payday Loans can be paid back over 12 months. There are no hidden monthly fees and charges, and no penalties for paying back your loan quicker, so you can pay it back as soon as you are ready.
$0 application fee (even if your application is not approved)
Establishment Fee – $400 (included in the loan)
PPSR and Security Check – $16 (included in loan)
Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Interest rates are fixed for the loan term — so you know exactly what to expect.
If a scheduled payment is returned unpaid, we may issue a $35.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay usual interest charges as described. Find out more: Payday Loans Rates and Fees.
Can I apply for a Payday Loan with Swoosh if I already have a loan with another company?
Yes, if you have other loans you can still apply for a loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.
We make it easier to make repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.
Sign me up! How do I apply?
Our Payday Loan application process is super-easy.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan is provided within 60 minutes of you providing require 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.
There’s no need to sign-up for an account. Apply Now
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.
Thanks so much for giving me a chance to improve my credit score and for helping me to fix up my car. It is very much appreciated, and the whole process was simple and completely pain-free. Wonderful service.
Sarah, Seddon VIC
Thank you for your assistance. I would recommend Swoosh Finance to anyone who needs a loan.
Brad, Oakhurst NSW
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
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Yayy!
Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Amy, Doonside NSW
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
I would like to thank the Swoosh team for helping me out with the settlement. I really appreciate it.
Margaret, Cloncurry QLD
Thank you for your assistance.
I would recommend Swoosh to anyone who needs a loan.
Brad, Oakhurst NSW
I really appreciate the way my loan was handled. They went out of their way to help me, and get a positive outcome. Staff were great, kept me posted where things were up to. Very satisfied not just because of positive outcome but the way the company treated me. Many thanks. I won't let you down!!
Lesley, Scone NSW
Tracey Grounds
Thank you very much Swoosh Finance for your help. Now I'm so happy I can make my mother in law birthday and less stress on me thanks again... give 100/100 for your help.
Simon, Dandenong VIC
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