Swoosh provides Small Loans from $2,000 – $5,000. Swoosh small cash loans are designed to spot you in between paydays, providing financial relief for any sudden, unforeseen and unbudgeted expenses. You can also use a Small Loan to pay for a short course that will help you upskill and get ready for that big promotion.
Whatever the reason, Swoosh can help. Apply for a loan with Swoosh today.
Small Loans from Swoosh are between $2,000 and $5,000. They’re a great alternative to most personal loans from traditional banks where the minimum borrowing amount might be much higher. Our Small Loans are also a great option for people who do not have a credit card – and even for those with a bad credit score.
How much can I borrow?
You can borrow between $2,000 to $5,000 in a Small Cash Loan. You can use this any way you like to help with unexpected and/or unbudgeted expenses.
How quickly can I get a Small Loan online?
Our application process is 100% online and only takes minutes to complete. Once received, we can get you the cash you need on the same day. Find out more: How To Get A Cash Loan
What can I use my Small Cash Loan for?
That’s entirely up to you. You might want to pay for a holiday, get some new furniture, or buy a prize poodle! Whatever your reason for wanting some extra cash, we don’t need to know it. All you have to do is tell us how much you want. As long as you meet the eligibility criteria and repayment requirements, there are no restrictions on how you spend the money.
Am I eligible to get a Small Loan?
Most people in Australia are eligible for a Swoosh Small Loan. You just need to meet the following simple 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
Can I get a Small Loan if I have bad credit?
Yes, it is possible. Your credit history doesn’t impact our decision. We believe in responsible lending and consider every Small Loan application on its individual merit.
Fees and interest rates:
Our Small Loans can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for paying back your loan quicker – so you can pay it back as soon as you are ready. Find out more: Payday Loans Rates and Fees
$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.
Can I apply for a Small Cash Loan with Swoosh if I have an existing loan with another company?
Yes. If you have other small personal loans, car loans, or any other type of loan, you can still apply for a Small Cash 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.
How do I apply?
Applying for a Small Cash Loan with Swoosh is quick and easy.
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.
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.
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
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist