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Living in the 21st century means we expect things to be fast – and that includes getting a loan. Swoosh offers Same Day Loans as a way to access instant cash for any unplanned situation.
Whatever your reason for needing extra funds, in most situations, Swoosh can get a cash loan to you before the day is done.
Learn more: How To Get A Quick Loan Approval In Australia
What are Same Day Loans?
Same Day Loans are 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 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. In fact, in many cases, we don’t just pay out your loan the same day, we do it within the hour. That’s about as close as you can get to an instant cash loan.*
*Speed of approval is conditional to receipt of all requested relevant documents/information.
How much can I borrow with a Same Day Loan?
You can borrow between $2,000 and $20,000 with one of our Same Day Loans. 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.
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)
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
Ok, so how do I apply?
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!
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
3 reasons customers trust Swoosh
1. 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.
2. We’re transparent about our rates and fees
With Swoosh, there are no nasty surprises. We let you know what you can expect to pay up front. Plus, if your financial situation changes and you find yourself struggling to make your repayments, just give us a call and we’ll work something out.
3. We’re an Australian responsible lender
Led by finance experts with years in the industry, Swoosh has been responsibly lending to Australians in need of quick cash since 2014.
Find out more: About Swoosh
FAQs
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.
Can I apply for a same day loan online?
Yes. At Swoosh, our loan application process is 100% online.
What happens if I apply outside of business hours?
If you apply outside of business hours, we will review your application as quickly as possible the next business day. We may need to contact you to verify details or obtain extra information and documentation. The quicker you respond, the quicker we will be able to approve and process your loan.
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.
Testimonials
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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
