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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
Learn moreEligibility 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 $2,200 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. 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 ($2,200 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?
Contact us to get your questions answered, or to discuss your individual needs.
**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.
Testimonials
Garry Capewell
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Helen T
Nai “Friszy01” Frisjina
Michael Higgins
Jo Naisbitt
Brendan Hedges
Kaitlyn Rea
Dino Mcpherson
Graham Cowley
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
