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Are payday loans legal?

Yes, payday loans are legal–and by law, payday loan lenders must lend responsibly. That means payday loan providers must assess your financial position and make sure you can afford to repay the loan without substantial hardship.

Do payday loans show on your credit report?

If a payday loan provider conducts a credit check when you apply for the loan, it will show up on your credit report. This is not necessarily a bad thing, however if you fail to meet your repayments on the payday loan, it will show up in your credit history as a default, which could negatively impact your credit score.

Are payday loans easy to pay back?

As a responsible lender, Swoosh will only approve your loan application if we believe you’re capable of repaying the loan. Not only that, we’ll align your repayments with your payday so you never miss a repayment.

How quickly can I get a payday loan?

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

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 payday loan application on its individual merit.

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.

What interest rate will I get?

All our fees and rates are clearly displayed on our Payday Loan Rates and Fees page.

What will my repayments be?

You can calculate your repayments up front by using the calculator on the right hand side of this page.

When will I receive the money?

Within an hour of receiving the required information from you for your application, you should receive an offer email, which you will need to sign. Once you have signed, most applicants receive the money in their bank account the same day.

What happens if I don’t pay my payday loan?

Our payday loans are secured loans, which means your vehicle is used as security for the loan. In the unlikely event that you do not pay your loan repayments, the lender is entitled to repossess your vehicle. However, at Swoosh this is very unlikely to happen, as we make every effort to ensure your repayments remain affordable should your financial situation change. If you need assistance making repayments or need to discuss your current financial situation, we have a dedicated team that can help you explore your options. You can contact them directly by sending an email to


Swoosh Finance Star Rating PRISCILLA JANE
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.
Swoosh Finance Star Rating Sarah Tepuni
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
Swoosh Finance Star Rating Ryker Natural Products
Superfast , no delays once already have/ had a loan
Ryker Natural Products
Swoosh Finance Star Rating Winifred Angel Roycroft
Winifred Angel Roycroft
Swoosh Finance Star Rating Holly Toolin
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
Swoosh Finance Star Rating Carol Schobbe
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
Swoosh Finance Star Rating Nikita Gorogo
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 Finance Star Rating Denis V
Swoosh was really good in understanding and service was great and pretty quick as well.
Denis V
Swoosh Finance Star Rating James Cross
They did good job and at a reasonable rate.
James Cross
Swoosh Finance Star Rating adrian brewer
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
Swoosh Finance Star Rating daniel s
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
Swoosh Finance Star Rating John Knoll
Very quick and so easy thanks
John Knoll
Swoosh Finance Star Rating Lyndell Gibson
Quick and easy
Lyndell Gibson
Swoosh Finance Star Rating darren archer
Very helpful and fast process. I'd recommend them to anyone as their repayments are fair and affordable. Thank you Swoosh.
darren archer
Swoosh Finance Star Rating Allan Mahoney
Easy to deal with and done in quick time.
Allan Mahoney
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