Small Personal Loans

If you’re in need of cash for an unexpected bill, an exciting weekend event or car repairs, Swoosh Small Personal Loans are here to help. At Swoosh, we get you the money you need — fast. Rather than navigating a mountain of paperwork, apply for an online loan today for an affordable personal loan.

Apply now with Swoosh and get a Small Personal Loan today

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Eligibility for small personal loans

Forget long queues and extensive requirements. Get your same day cash loan today.

We offer easy personal loans, even if you have bad credit. You only need to meet the following criteria:

Be 18 years or older

A permanent resident or valid visa holder of Australia

Employed 3 months or longer

Own a vehicle registered in your name

From the application to the cash arriving in your bank account, we make it easy to apply for a personal loan.

Whatever the reason, Swoosh can help. Apply for a loan with Swoosh today.

Small personal loan amounts

We offer small loan options of $2,000 to $5,000.

Based on what you need, we’ll set up a plan that works for you—inclusive of a flexible repayment schedule.

No worries

We’re here to take the burden off you and make it simple to apply for a personal loan.

We understand unexpected events and emergencies happen that you’re unable to budget for.

Our simple online loan application only takes a few minutes — and approval usually comes within an hour of receiving all the required information (if during business hours)*.

How fast will the cash appear in my account?

During normal business hours, approval for our quick loans can come within 1 hour of receipt of the required information from you.*

Once your loan is approved, we’ll send you an offer along with a contract for your fast personal loan. And if your electronically signed contract is returned by 3:30pm AEST time, the funds will be transferred directly into your bank account overnight.

If you’re a member of a ‘same day payment capable bank’, such as Commonwealth Bank, Westpac, NAB or ANZ, your cash will appear in your bank account within one business day.

Why Swoosh customers love our fast small personal loans

Because we are one of the most trusted providers of small personal loans in Australia. We offer:

A streamlined 100% online application
Fast direct deposit
A completely secure and confidential system
Friendly and helpful customer care

Personal Loan structure

Because we believe in transparent communication — and no nasty surprises — here’s everything you need to know about our quick and easy online personal loans.

Small Personal Loans ($2,000 to $5,000)
$0 application fee (even if your application is not approved)
$400 standard establishment fee
$16 other fees
47% annual interest (Comparison Rate 66.0347)**
Term length: 12 months

Repayment options

To make life stress-free and easy, we offer flexible repayment options, aligning with your paydays. You can choose to pay weekly, fortnightly, or monthly.

Fees and interest rates

Our Small Personal Loans can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for paying back your loan amount 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)

You may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan and your credit score.

Interest is calculated daily on the outstanding balance. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment missed or returned unpaid, we may issue a $35.00 debit dishonour fee.

Questions and concerns

At Swoosh, we don’t like surprises, so we work hard to make sure that our online personal loans are as intuitive as they are quick and easy. Check out our FAQs or reach out to our Customer Care team if you have any questions or concerns.

Can I get a small personal loan with bad credit?

Our loans are based on your current situation, not your past credit reports, which is why we offer bad credit loans.

We offer our online loans after evaluating current bank statements, assessing whether the applicant has the ability to repay the loan now, not some time in the past. This way we are able to offer a second chance to those who have been affected by their credit history, getting them the cash they need.

Can you get a personal loan with no credit score?

Yes, you can get a small personal loan with no credit history. Because of our simple eligibility criteria, you only need to meet 4 requirements to be eligible for a Swoosh personal loan.

We practise responsible lending

We aren’t just about offering our customers quick and easy Small Personal Loans. At Swoosh, we uphold reliable, trustworthy, and responsible lending. We act with honesty and integrity—and treat all potential borrowers fairly and reasonably. And we only approve your loan application if we believe you can repay it, so you know you’re in safe hands.

Got questions?

*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.

Calculate your loan repayments

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Get your loan!

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.

Testimonials

Great to deal with and easy to apply. Very understanding of your individual situation Big thanks to Carin for her help :-)

James Hocking

Great service and help from Carin at Swoosh Finance very helpful and prompt replies. Thank you once again Swoosh Finance. Regards Leighton.

NUGGET gaming

I have received great assistance from Ana and I'm happy with the outcome of my application

Luke lee Boslem

I am happy with the prompt service of Swoosh. They were polite upon the request to help support my application. They were timely and acted efficiently and professional all the way. Thank you very much.

Danz Mojae

Shoutout to Brad, who helped me so much and kept in contact with me every step of the way. I would 100% recommend them to anyone trying to get a loan. Money went into the the dearlerships account pretty fast, I’m quite impatient which sucks but the way they did it so fast impressed me! Thank you Swoosh, Brad & Paul!

Beau

I am super please with my experience and how fast and swiftly Ana has helped me with my application a big thumbs up to Ana

Tanielle Oleary

Working with Ana & Joshua through-out the loan application was a breeze , so thank you Swoosh Finance

Nookorn Young

The response from the staff is amazing. They were responding to my application instantly and I would like to shout out to Ana, for the efficient and fantastic job Thank you!

farizzudin mohamad taib

Very happy customer have had nothing but good service when topping up

Stephen Cornish

Always very friendly customer service and always very prompt.

Julie Fisher

Carin was very helpful 😁

Brittney

Great customer service!

William Schweinheim

Very happy with the service have used these guys a few times and will keep on using them

Sam Blaschek

Good fast service and reliable credit facility. Highly recommend Swoosh finance

Rebecca King

Excellent service with minimal fuss, highly recommend

Robert Jarrett

Very prompt and professional. Would borrow from them again

adele Wright

Extremely friendly and ultra fast response times. Carin had replied to my email within just a couple of minutes of sending. Customer service on point 👌

samantha french

Very quick with the conditionally approval process instructions were very with information I had to provide. Ana replied to my emails in a very timely manner Ana has provided a good service towards me Thank you swoosh

jasmin andrews

At first the application was rejected but following day was advise it will be reassessed. Mackenzie did an amazing job, thank you so much and the Swoosh team. Highly recommend

Jay E

Kelly and his team at SWOOSH did a remarkable job to help me out of what felt like an impossible situation. Kelly’s attention was extremely professional and consistent throughout, however, I always felt I was talking with someone who took the time to understand me and my situation. He picked up the enquiry and with many factors requiring considerable work was able to achieve a 24hr settlement. I can’t recommend Kelly and the team at SWOOSH finance more highly and I’m one very grateful client. Kindest regards CJS

Cory Sims

Great credit lending company. I've been a repetitive customer and had an opportunity to reapply so I did it. Dealt with Carin at first then Ryan and took a bit of time but communication was great. Got approved and had the money within hours. Was worth the wait and the detailing questions.

Livia Faatiarau

Swoosh gave me a loan when I didn't think I stood a chance.pretty quick turnaround had money within 1 day of applying. If you're in the market for a loan why not try your luck with Swoosh!

Michael McQuade

My customer service advisor ESTELLE'S assistance through the process was very professional. All of my questions were answered in a timely manner and I appreciated receiving updates by email from ESTELLE. I would recommend SWOOSH to family and friends.

PRISCILLA JANE

Took longer than anticipated, and so many questions, but ultimately got the loan, was in my bank a couple of hours after approval. The whole process took around 36hours. Very responsive, very happy with the outcome.

Sarah Tepuni

Superfast , no delays once already have/ had a loan

Ryker Natural Products

A++++

Winifred Angel Roycroft

Swoosh have been so great at helping me tie up some loose ends and made it possible for us to get through the new year with less stress.

Holly Toolin

After having my accident i needed to pay the excess, coming up with that kind of funds was near impossible, they where quick and very professional, I can't thank them enough for helping me especially before xmas.

Carol Schobbe

Not oy did the professional staff respond almost immediately to correspondence, they let me know the progress every step of the way. I actually doubted being approved was shocked they gave me a chance. Would highly recommend 🙂

Nikita Gorogo

Swoosh was really good in understanding and service was great and pretty quick as well.

Denis V

They did good job and at a reasonable rate.

James Cross

i have bad credit and swoosh did not hesitate to give me a chance. very quick and respond very quickly. very easy process and the funds were in the bank that day. highly recommend.

adrian brewer

By far the best loan experience out of four others that I have dealt with. All staff are great ive dealt with are great. Fast responce through bot and email with up to date information so I wasn't left wondering. 10/10

daniel s

Very quick and so easy thanks

John Knoll

Quick and easy

Lyndell Gibson

Very helpful and fast process. I'd recommend them to anyone as their repayments are fair and affordable. Thank you Swoosh.

darren archer

Easy to deal with and done in quick time.

Allan Mahoney

Ryan was extremely Friendly and helpful during the whole process

Nicole Halliwell

Thank you so much tor giving me the chance! Nearly gave up! I really appreciated it! God bless

Jeralie Emnace

Great service been with them for a while. When I was stressing about urgent money I randomly had a text saying I can re-finance they came through same day without hesitation. Extremely thankful with their quick & helpful service A+++++

Kessy Tav

Excellent service, while others give 500 dollars so hard, Swoosh finace is 10 times better than them, thank you again Swoosh, the money was in my account within 1 hour 😜

Hızır reis Reis

Very accommodating, will do their best to set you on the right track, and find the best loan for you!! Thanks Swoosh Team!! You saved me…

Steven Fitzgerald

I’m happy I got approved (not for the amount I needed) but easy application and very responsive to questions and concerns. Easy and affordable repayments.

Mia Toomey

Understanding when I couldn't get files downloaded onto PDF, were happy to wait for my son to do it. Thanks again

Carol Woodcock

Good friend lily people an quick approval

Tony Mudge

Awesome finance swoosh is the best out there can't wait to get another loan from them it's so cheap

Derek Walker

Greatest company to deal with!!

Renae Bowerman

Great company to deal with. Response time excels to other companies. Would highly recommend. Thank you

Laura C

Swoosh I have been VIP for 5 years or so .always easy to deal with end never fail me good work again swoosh 👍🏽👍🏽

Grant Bottrell

Was great to work with was told it would be 24 hours before I found out as was the end of the day . By 7pm I had a contract to sign, I signed it and money was in the bank within 10 minutes. Thanks

Luke Wilson

I recommend this company.

muni howard

Been a swoosh customer for years. Love the fact that every 6 months I can top up my loan should I choose too. Very easy application, everything done online

V Vegh

Excellent start to finish experience. The regular communication and updates provides certainty to the process leaving the borrower with the feeling that all is being done to provide a positive outcome.

Mark Atha

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

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

Tracey Grounds

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

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