If you’re in need of cash for an unexpected bill, an exciting weekend event or car repairs, a Swoosh Small Personal Loan is 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
Forget long queues and extensive requirements. Get your same day cash loan today.
With Swoosh we offer easy personal loans; you only need to:
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
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.
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 approved, we’ll send you an offer along with a contract for your fast personal loan.
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.
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)*.
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 – this 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.
We practise responsible lending
We aren’t just about offering our customers quick and easy Small Personal Loans – we’re here to uphold reliable, trustworthy, and responsible lending. We act with honesty and integrity — and treat all potential borrowers fairly and reasonably. We only approve your loan application if we believe you can repay it, so you know you’re in safe hands.
Got questions?
Contact us to get your questions answered, or to discuss your individual needs.
*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.
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.
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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Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist