Same Day Loans

Living in the 21st century has meant that we expect all things to be fast – and that includes getting a loan. Swoosh offers Same Day Loans as a way to access quick cash for any unplanned situation.

Whatever your reason for needing extra funds, if you’re eligible, Swoosh can get a cash loan to you before the day is done (subject to business hours).

Apply now with Swoosh and get cash today

Learn more

What are Same Day Loans?

Same Day Cash Loans are exactly as they sound. They’re loans that are paid out on the same day your application is accepted. With Swoosh, it’s a fast, easy and 100% online way of getting access to quick loans without waiting around.

How much can I borrow through a Same Day Loan?

You can borrow between $2,000 and $5,000 with a Swoosh Same Day Loan. Apply for a loan with Swoosh and you can kiss goodbye to lengthy paperwork and the waiting around associated with bank personal loans. Now you can get quick cash the day you need it.

How quickly can I get a Same Day Loan?

The clue is in the name! Our Same Day Loans are paid into your bank account the very same day your application is approved. Since our 100% online application only takes minutes to fill out, there’s never been a faster way to get extra cash.*

Am I eligible to get a Same Day Cash Loan?

It’s very likely. To be eligible for a Swoosh Same Day Loan, you only need to meet the following basic criteria:

Be at least 18 years old

Be employed for at least 3 months

Be a permanent resident or valid visa holder of Australia

Own a vehicle registered in your name

Find out more: How To Get A Cash Loan

Can I get a Same Day Loan if I have bad credit?

Yes, it is possible. Your credit history is exactly that – history. We believe in responsible lending and consider every Same Day Loan application on its individual merit.

Fees and interest rates:

Our Same Day Loans can be paid back over 12 months. There are no hidden charges, and no penalties for paying back your loan quicker, so you can pay it back as soon as you are ready.

$0 application fee (even if your application is not approved)
Establishment Fee – $400 (included in the loan)
PPSR and Security Check – $16 (included in loan)

Keep in mind that you may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan.
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 $35.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay usual interest charges as described. Find out more: Payday Loans Rates and Fees

Can I apply for a Same Day Loan with Swoosh if I have an existing loan with another company?

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

We make it easier to make repayments

To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.

What’s the application process for a Same Day Loan?

Our Same Day Loans are online loans, so you can submit your application online and receive the money into your bank account without the need for an in-person consultation.

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.

No need to sign-up for an account. Apply now and get your loan today!

For information about other options:

*Speed of approval is conditional to receipt of all requested relevant documents/information.

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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.

Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless

Jeralie Emnace

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

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

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

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

Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again

Carol Woodcock

Good friend lily people an quick approval

Tony Mudge

Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap

Derek Walker

Greatest company to deal with!!

Renae Bowerman

Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you

Laura C

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

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

I recommend this company.

muni howard

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

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

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

Maria Cabrera

Dimitrios Velingos

Great quick service, was able to top-up after 6 months of regular payments, same day approval and money in account.

Jason Stanford

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

Tracey Grounds

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