Payday Loans Australia - Same Day Payday Cash Loans Online

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.

Ease the pain between paydays with Swoosh

Apply now

What are Payday Loans?

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

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Get your loan!

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.

Types of Loans

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

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Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist

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