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Can I get a loan if I already have a loan?

Yes, if you have other loans you can still apply for a quick cash loan with Swoosh. As responsible lenders, Swoosh will only approve your application if we believe you can afford to repay your loan.

If you want to roll multiple loans into one, you can apply for a debt consolidation loan.


How do you get approved for a personal loan?

Every lender has different requirements, so you should check eligibility requirements before you apply. If you want to give yourself the best chance of approval, these tips could help you:

  • Make sure you meet eligibility requirements before applying
  • Shop around for the most suitable loan and lender
  • Cut excess spending where possible
  • Maintain consistent employment and income
  • Limit or pay off missed and dishonoured payments

Check out our 10 tips for quick loan approval and guide to getting instant approval on a personal loan for more information.


Can you pay a personal loan off early?

Yes, you can. Swoosh won’t charge you any extra fees for paying off your loan early.


How can I get money urgently in Australia?

You can apply for a Same Day Loan or check out our blog on how to earn money fast for ways to get urgent cash when you need it.


What is the easiest company to get a personal loan with?

Private lenders like Swoosh who offer secured bad credit loans are generally the easiest companies to get a loan with in Australia. The security on the loan helps to mitigate the risk for the lender, which allows them to service a wider range of people.


Can I get a cash loan without a credit check?

As a responsible lender, Swoosh does not offer no credit check loans. But because we service both people with bad credit and people with no credit history, this won’t impact most people’s chances of approval.


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