Personal Loans

Need cash for an unexpected bill, exciting weekend event or car repair?

At Swoosh, we get you the money you need — fast.

Rather than navigating a mountain of paperwork, apply for an online loan today.

We make the process easy and straightforward.

Eligibility for personal loans

Forget long lines and extensive requirements.

With Swoosh, you only need to:

  • Be 18 years or older
  • Be a permanent Australian resident
  • Be employed 3 months or longer
  • Own a vehicle registered in your name, with no finance owing or encumbrances.

From the application to the cash arriving in your bank account, we make things easy and speedy.

Apply online today for a fast answer!

Personal loan amounts

We offer small loan options of $2,100 to $4,600.

Based on what you need, we’ll set up a plan that works for you — inclusive of a flexible repayment schedule.

How fast will the cash appear in my account?

During normal business hours, approval can come within 1 hour.

Once approved, we’ll send you an offer along with a contract.

If your contract is returned by 3:30pm AEST time, the funds will be directly transferred into your account overnight.

If you’re a member of a ‘same day payment capable bank’, such as Commonwealth Bank, Westpac, NAB or ANZ, your cash will appear in your bank account within one business day.

No worries

We’re here to take the burden off of you.

We understand unexpected events and emergencies happen that you’re unable to budget for.

Our straightforward online loan application only takes a few minutes — and approval usually comes within an hour (if during business hours).

Personal online loans

Why Swoosh customers love our personal loans

Not only do we provide a fast answer, we offer:

  • A streamlined 100% online application
  • Fast direct deposit
  • A completely secure and confidential system
  • Friendly and helpful customer care

Personal loan structure

Because we believe in transparent communication — and no nasty surprises — here’s everything you need to know.

Personal Loans ($2,100 to $4,600)
$0 application fee (even if your application is not approved)
$400 standard establishment fee
48% annual interest
Term length options: 12-24 months

Repayment options

To make life stress-free and easy, we offer flexible repayment options.

Aligning with your paydays, you can select weekly, fortnightly, or monthly repayments.

Interest rates and fees

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 $25.00 debit dishonour fee.

This fee is not subject to interest, though you’ll continue to pay usual interest charges as described.

Questions and concerns

With Swoosh, there are no surprises.

Check out our FAQs or reach out to our Customer Care team if you have any questions or concerns.

We practice responsible lending

Swoosh upholds reliable, trustworthy, and responsible lending.

We act with honesty and integrity — and treat all potential borrowers fairly and reasonably.

We also only approve your loan application if we believe you can repay it.

Choose a lender you can trust

Apply online with Swoosh Finance today.

Get a loan in
3 easy steps.

Apply Now

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Frequently asked questions.

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