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
Types of Loans
- Cash Loans
- Debt Consolidation Loans
- Car Repair Loans
- Quick Loans
- Loans Against Cars
- Online Loans
- Small Personal Loans
- Bond Loans
- Secured Loans
- Christmas Loans
- Holiday Loans
- Loans for moving house
- Bad Credit Loans
- Emergency Loans
- Small Loans
- Same Day Loans
- Weekend Loans
- $2000 Loans
- $3000 Loans
- $4000 Loans
- $5000 Loans
- Rent Loans
- Fast Cash loans
- Payday Loans
Nicki Bunn
Maria Cabrera
Dimitrios Velingos
Jason Stanford
Michael, Roselands NSW
Biljana, Macquarie Fields NSW
Sarah, Seddon VIC
Brad, Oakhurst NSW
Karyn Quinn
Ryan, Anna Bay NSW
Norm, Mani Beach QLD
Emmanuel, Blacktown NSW
Nicole, Moe VIC
Karlie, Australind WA
Amy, Doonside NSW
Debra, Mt Baker SA
Christian, Ellenbrook WA
Margaret, Cloncurry QLD
Brad, Oakhurst NSW
Lesley, Scone NSW
Tracey Grounds
Simon, Dandenong VIC
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
