A Secured Loan is a loan guaranteed by an asset, like a car. We use this asset as security over the term of the loan, so that you have a simple way to get some much needed cash. If you’re in need of fast cash today, let us do the heavy lifting. With our simple online loan application and speedy approvals, you can get a Secured Loan in a matter of hours!*
Apply now with Swoosh and get a fast Secured Loan today
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What is a Secured Loan?
Getting a Secured Loan is utilised when you own a vehicle, like a motorcycle or car. In a nutshell, Secured Loans are loans against your car or vehicle. They allow you to access cash quickly, because you have assets of value that could cover the cost of the loan.
When can I get a Secured Loan?
At Swoosh we know that life can give us all sorts of unexpected challenges, and we want to help. You may want to apply for a Secured Loan for situations like:
Home improvements
Educational or training courses
Holidays and flights
Debt Consolidation
Travel and social plans that require extra cash
No matter the situation, we’re here to help provide you the best Secured Loans for your circumstance.
A stress-free process
Because of our fast and highly secure systems, our process is hassle-free. We follow 3 simple steps:
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 receiving your 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 electronically signed the contract, we’ll send the money directly to your bank account!
Since we’re 100% online, everything can be done from your tablet, computer, or mobile phone. What are you waiting for? Apply for a loan with Swoosh today.
Secured Loan amounts
We offer Secured Loans from $2,000 to $5,000. Simply enter the amount you need on your application, and we’ll handle the rest.
Eligibility for Secured Loans
If you meet these 4 requirements, you’re ready to apply today.
Be 18 years or older
Be a permanent resident or valid visa holder of Australia
Be employed 3 months or longer
Own a vehicle registered in your name
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 systems
- Flexible repayment schedules
- Transparent communication with no nasty surprises
Our structure for Secured Loans
At Swoosh, we’re different to other lenders, we’re upfront and honest about our cost structure and process.
| Secured Personal Loans | $2000-$5000 |
| Application Fee | $0 |
| Establishment Fee | $400 |
| Other Fees | $16 |
| Annual interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
Loan interest rates and dishonour fee
Swoosh interest charges are calculated daily on your outstanding balance.
Interest rates are fixed for the loan term and are determined based on the outstanding balance.
If a scheduled payment is returned unpaid, a $35.00 direct debit dishonour fee may be issued.
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.
Can I get a Secured Loan with bad credit?
Yes, it is possible for you to receive a secured personal loan with bad credit at Swoosh. We look at the ‘here and now’ of your financial situation, assessing everyone on an individual basis. We want you to receive the assistance you need, so we look at more than just your credit history.
We offer online cash loans after evaluating current bank statements and, assessing whether the applicant has the ability to repay the loan. This way we are comfortable offering secured bad credit Loans to those who have been impacted by their past, getting them the cash they need.
Secured Loans, bad credit & responsible lending
At Swoosh, we believe in responsible lending, because we want the best for you.
We practise responsible and trustworthy lending, only approving your application if we believe you can repay the loan.
Why choose Swoosh for secured lending?
We pride ourselves on having one of the fastest, easiest, most straightforward process.
Rather than navigating through tons of paperwork and dodging hidden costs, Swoosh partners with you every step of the way to offer the best possible Secured Loans for your circumstance, quickly.
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 the funds on-time
- Keep all of your information safe through our secure online system
Got questions?
Contact us to get your questions answered, or to discuss your individual case.
*Speed of approval is conditional to receipt of all requested relevant documents/information.
**WARNING: This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.
Types of Loans
- Cash Loans
- Debt Consolidation Loans
- Car Repair Loans
- Quick Loans
- Loans Against Cars
- Online Loans
- Small Personal Loans
- Bond Loans
- Secured Loans
- Christmas Loans
- Holiday Loans
- Loans for moving house
- Bad Credit Loans
- Emergency Loans
- Small Loans
- Same Day Loans
- Weekend Loans
- $2000 Loans
- $3000 Loans
- $4000 Loans
- $5000 Loans
- Rent Loans
- Fast Cash loans
- Payday Loans
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
I am very happy with this Business. I will recommend to my family and friends.
Michael, Roselands NSW
Hi Michelle, Thank you so much for that. I have been impressed so much by your company, by your process handling and outcome. After this has been finalised paid I will no doubt use you again when needed.
Biljana, Macquarie Fields NSW
Thanks so much for giving me a chance to improve my credit score and for helping me to fix up my car. It is very much appreciated, and the whole process was simple and completely pain-free. Wonderful service.
Sarah, Seddon VIC
Thank you for your assistance. I would recommend Swoosh Finance to anyone who needs a loan.
Brad, Oakhurst NSW
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
I’m really shocked that I got approved. No one would help me or give me the chance. I’m definitely grateful and happy with how you guys handle different customers. Thank you so much!
Ryan, Anna Bay NSW
This has eased so much stress and definitely given me the financial freedom. All along the Swoosh team have been very understanding and fantastic to deal with, especially Harley just to name one of the team, credit to the rest as well.
Norm, Mani Beach QLD
Thank you very much. You guys have always been very helpful and understanding.
Emmanuel, Blacktown NSW
I would recommend you guys to anyone looking for a loan… You are great.
Nicole, Moe VIC
Just a quick message to say thank you for your time and help, you have restored faith that there are still great customer service reps out there an Swoosh should be very grateful you are ith them and provide such as excellent service.
Karlie, Australind WA
Yayy!
Thank u Swoosh! You guys are the BEST! I have recommended you guys to family & friends!
Amy, Doonside NSW
BRAD… is the highlight in this company by far… his customer service was great and so professional… he went above and beyond his job description to ensure I was helped and not stressed out at all… I had a lovely experience and it was because of him I remained at the company and didn’t go elsewhere.
Debra, Mt Baker SA
The staff here are amazing!!! Best service I’ve had in ages! Comments might change mind you if you deny my loan!!! Lol only kidding you’ve been fantastic Thank you for your prompt and efficient services.
Christian, Ellenbrook WA
I would like to thank the Swoosh team for helping me out with the settlement. I really appreciate it.
Margaret, Cloncurry QLD
Thank you for your assistance.
I would recommend Swoosh to anyone who needs a loan.
Brad, Oakhurst NSW
I really appreciate the way my loan was handled. They went out of their way to help me, and get a positive outcome. Staff were great, kept me posted where things were up to. Very satisfied not just because of positive outcome but the way the company treated me. Many thanks. I won't let you down!!
Lesley, Scone NSW
Tracey Grounds
Thank you very much Swoosh Finance for your help. Now I'm so happy I can make my mother in law birthday and less stress on me thanks again... give 100/100 for your help.
Simon, Dandenong VIC
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