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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.


Swoosh Finance Star Rating sam johnston
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh Finance Star Rating Naseer Mansour
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
Great service..very helpful and hands on with customers. Process went smooth n fast. Thanks you Ana for your great help .much appreciated
Swoosh Finance Star Rating Shayne Khan
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...
Shayne Khan

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