Secured loans

Need a boost to your cash flow?

Swoosh offers fast, secured loans for a variety of circumstances:

  • Unexpected bills (like car repairs or medical expenses)
  • Home improvements
  • Educational or training courses
  • Holidays and flights
  • Debt consolidation
  • Travel and social plans that require extra cash
  • And more

No matter the situation, we’re here to help.

A stress-free process

Because of our fast and highly secure systems, our process is hassle-free.

Our 3 simple steps:

1.

Apply online (takes 3-5 minutes)

2.

Receive quick loan approval

3.

Cash is transferred to your bank account!

Since we’re 100% online, everything can be done from your tablet, computer, or mobile phone.

What is a secured loan?

Getting a secured loan indicates that you own a vehicle, like a motorcycle or car, with no finance owing or encumbrances.

In other words, secured loans are loans against your car.

They allow you to access cash quickly, because you have assets of value.

Online loans

Secured loan amounts

We offer online loans from $2,100 to $4,600.

Simply enter the amount you need on your application, and we’ll handle the rest.

Repayment schedules align with your paydays and depend on your term loan length — which can be anywhere from 12 to 24 months.

Eligibility for online loans

If you meet these 4 requirements, you’re ready to apply today.

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

Applications come with no obligation — they can be paused or stopped at any time.

What Swoosh customers love about our secured personal loans

With our quick approval process and friendly service, Swoosh customers appreciate:

  • Our simple online application
  • Fast approval with direct deposit
  • 100% online service
  • Our secure and confidential systems
  • Flexible repayment schedules
  • Transparent communication with no nasty surprises

Our structure for online loans

Different than other lenders, we’re upfront and honest about our cost structure and process.

Secured Personal Loans ($2,100-$4,600)
Application fee: $0
Establishment fee: $400
Annual interest: 48%
Term length: 12-24 months

Interest rates and dishonour fee

Swoosh interest charges are calculated daily and applied monthly.

Interest rates are fixed for the loan term and are determined based on the outstanding balance.

If a scheduled payment is returned unpaid, a $25.00 direct debit dishonour fee may be issued. The fee is not subject to interest, and you’ll continue paying usual interest charges as described.

Repayment options

At Swoosh, we like to make things stress-free.

That’s why we offer flexible repayment schedules that align with your paydays.

Repayments can be automatically set for weekly, fortnightly, or monthly payments.

It’s so easy, you won’t even have to think about it.

We lend responsibly

With Swoosh, you never have to worry.

We practice responsible and trustworthy lending, only approving your own if we believe you can repay it.

Secured personal loans

Why choose Swoosh for secured lending?

We pride ourselves on having the fastest, easiest, most streamlined process.

Rather than navigating tons of paperwork and dodging hidden costs, Swoosh partners with you every step of the way.

Swoosh will:

  • Help you get back on track
  • Provide the cash you need, when you need it
  • Make the application as easy as possible
  • Approve your loan within one business day
  • Provide on-time and reliable payments
  • Keep all of your information safe through our secure online system

Got questions?

The Swoosh Customer Care team ensures every questions is answered.

Contact us during normal business hours, or email us at any time at admin@swoosh.com.au.

Say ‘adios!’ to stress

Apply for a secured online loan today!

Get a loan in
3 easy steps.

Apply Now

Need help?
Contact us

Get in touch

How it works.

Learn more

Frequently asked questions.

Learn more