Get quick loan approval in Brisbane today

Where to get the easiest personal loan near Brisbane?

We are constantly working to make Swoosh the best money lender in Brisbane with the easiest loan process. Getting the cash you need shouldn’t be a nightmare, which is why our friendly team of (human!) assessors are here to help you every step of the way.

Our application process for short term loans is 100% online. And we now offer PayID instant transfers when your loan application is approved. That way you can get the money you need, with no hassle, and fast approval.

Heading to the beach? Check out our cash loans for the Gold Coast!

How to get a fast easy personal loan

You can get a personal loan of $2,200-5,000 online with Swoosh today! It’s so easy to apply, just follow these three easy steps and you’ll be cashed up in no time!

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.

Apply Now

Find out more about how to get a loan with Swoosh.

*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.

Loan rates and fees

We are upfront about our rates and fees, so you know exactly what you will need to pay. There are no hidden charges, monthly fees and no penalties for paying back your loan quicker – so you can pay it back as soon as you are ready.

Online cash loan amount	$2200-$5000
Application fee	$0
Standard establishment fee	$400
Other Fees	$16 (included in loan)
Annual Interest	47% (Comparison Rate 66.0347%)**
Term length	12 Months
Flexible repayment options	Weekly, fortnightly or monthly (based on your paydays)

For more information, visit Rates & Fees.

Simple eligibility criteria

Getting a small cash loan in Brisbane is easy with a private lender like Swoosh. There are only 4 criteria for you to be eligible to apply for a loan:

At least 18 years old

Employed for at least 3 months

Permanent resident or valid visa holder of Australia

Own a vehicle registered in your name

Bad credit personal loans for Brisbane

We may not be able to offer no credit check loans, but we do offer personal loans for bad credit. So even if you’ve made some mistakes in the past, or gone through a rough patch, you can still get approved. As long as your situation has improved and you can afford to service the loan, you’re good to go!

Calculate your loan repayments

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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.

FAQs

How can I increase my chances of getting a personal loan?

Some ways you can improve your chance of loan approval are:

Check the eligibility criteria
Stay in a job for at least a couple of months
Don’t apply for too many loans at once
Have a car or other asset you can use as security for the loan
Show a good repayment history with your existing finance
Pay off any defaults on previous loans
Cut down on spending

For more information, check out our blog on 10 tips for quick loan approval to give yourself the best chance of getting a loan.

What credit score do I need to get approved for a personal loan?

Each company will have different credit score requirements in Australia. Thankfully, because Swoosh offers bad credit loans, we are only interested in your current financial situation. So even if you have a low credit rating, you can still be eligible for a personal loan with us!

Why do you need to check credit score?

Credit scores can help certain loan companies assess your eligibility for a loan quickly. They indicate how well you have managed debt in the past.

Credit scores are not the only factor lenders look at though, and some lenders do not include credit scores in the calculations at all. Instead, they might look at the actual information listed on your credit report to assess creditworthiness.

Not sure what your credit score is? Find out how to check your credit score in Australia.

Testimonials

My refinance loan application was very easy and straight forward to navigate and complete and the prompt response to the application was very pleasing, very professional and with a fast turn around. Special mention going out to your staff member Coen for his prompt responses and professionalism in regards to my application.😊

Garry Capewell

My experience with Hannah and Kate was so great. They both helped me through with my application very respectfully and helped went through the steps to get me through to the final steps to assess my application. Swoosh. Finance is the best

numi

Ally has been spot on with her responses! Super and fast and reliable via email. She has been helpful throughout my application. 10/10 would recommend asking for ALLY if you choose to go with Swoosh.

Helen T

My experience with swoosh has been a good one. Stacey and Cohen have been very helpful towards helping me applying for a loan. I would recommend this services to my friends and family. I would defiantly come back in the future. Thanks swoosh team you guys have been very helpful.

Nai “Friszy01” Frisjina

Very happy with the help I got from the lady on the phone whose name was jade. Would like a bit more updates on the progress but all in all very happy with the people.

Michael Higgins

Great experience with this finance company over the years. They always do everything they can to help you and the turn around is very fast. Coyen is super helpful and a pleasure to deal with. His impeccable customer service and friendly nature is an asset to your business. Keep up the great work Coyen and Swoosh.

Jo Naisbitt

I’ve had a very stressful week and when I needed help I went to swoosh finance and they were swift to give me the helping hand I needed, Jelena was especially super helpful with quick responses and made the whole process very easy. Will definitely go through swoosh again 👍

Brendan Hedges

Jelena was great to deal with she was professional and made it all easy to understand. Would definitely recommend these guys again! ❤️

Kaitlyn Rea

Olivia was very helpful. Kept it simple for me to understand. Responded to my replies within minutes. 10 out of 10 for being professional and straight forward with what I needed to do. Have a good day!

Dino Mcpherson

I would like to thank Kate for her help today much appreciate her effort. She is very easy to deal with and very helpful. Thank you

Graham Cowley

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