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Living in the 21st century means we expect things to be fast – and that includes getting a loan. That’s why 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 today, guaranteed – even if you have a bad credit rating!
Learn more: How To Get A Quick Loan Approval In Australia
What are same day loans?
When you’re looking for fast cash then same day loans are the way to go. Same day loans are just what they sound like: they are quick loans that are paid to you on the same day your application is accepted. When you apply with Swoosh, it’s a fast, easy, and 100% online way of getting access to quick cash without waiting around.
How quickly can I get a same day loan?
With Swoosh, in most cases, you can get cash today. We know that when you need an emergency same day loan, you can’t afford to wait around. That’s why our same day loans are paid into your bank account the very 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.*
Learn more: Instant Loan Transfer With PayID
*Speed of approval is conditional to receipt of all requested relevant documents/information.
How much can I borrow with Swoosh same day loans?
You can borrow between $2,200 and $5,000 with one of our same day loans. When you apply for a loan with Swoosh, you can kiss goodbye to lengthy paperwork and the waiting around associated with bank personal loans. Instead, you get the quick cash you need today.
Same day small loan fees and interest rates:
Our same day loans can be paid back over 12 months. There are no fees and 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)
- No monthly fee
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. And you interest rate is 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 get a same day loan today?
We aim to make our cash loans accessible to as many Aussies as possible. That’s why we make things quick and easy with only 4 simple criteria.
Eligibility for cash loans today
Be at least 18 years old
Employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
Can I get a same day loan with bad credit?
Yes, it is possible. When you apply for a same day loan with Swoosh, your bad credit history is just that, history.
As responsible lenders, we look at your current financial situation to assess your suitability for a same day loan, not past credit reports. Because we understand that, if you find yourself with bad credit, it can be hard to shake it. And when you’re short on time and need cash fast, you can’t always wait for your credit to repair.
Check out our bad credit loans for easy approval and fast cash in the bank today.
How to get same day loans online
Our same day loans are a simple 3-step online application process. You can submit your application online today 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.
Find out more: How To Get A Cash Loan Online
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Same day loans, easy approval
If you’re ready to apply for a same day cash loan, complete our online application form and we’ll get back to you shortly – there’s no need to sign up for an account!
Learn more: How our same day loans work
3 reasons to trust Swoosh & get a loan today
1. It’s 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
How can I borrow money and get it today?
If you need a loan today, you can apply online with Swoosh – as long as there are no delays in receiving your information and you’ve applied early enough in the day, you should receive the funds by the end of the same day.
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
Garry Capewell
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Nai “Friszy01” Frisjina
Michael Higgins
Jo Naisbitt
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Dino Mcpherson
Graham Cowley
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
