Rating based on 26 reviews

Swift Loans

  • Bad credit loans up to $2,000
  • Low-interest starting from 48%
  • Repayment up to 26 weeks

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Swift homepage
Author Swift. Screenshot of Swift website.
[Accessed April 12, 2018]

Swift Loans - Fast and convenient loans

At Swift Loans, we aim to give you just that – swift service that doesn’t require a lot of time consumption and paperwork.

The last thing we want to see is having our clients wait for hours on end for a personal loan they might not even get. We have a loan application system that lets you know whether you have received an advance within minutes of applying.

Online application

Everything you need to do in available online. This way, clients don’t have to wait in long queues and fill in endless paperwork. The online system has made things much easier for the clients that want to have a fast loan application and are also tied up with other work responsibilities. We don’t want you to come to us; we bring the loan application to you to be completed at your convenience.

Responsible lender obligations

When we put our name in an important name, we are putting down our reputation and we are saying that we will stick it through and pose no disappointments to our clients and the other financial providers that we work with. Having said that, we also ensure that we don’t lend money to clients who are clearly not in a good financial state to pay off their loans. Bad credit is not a problem for us but we are more concerned about the affordability rank as far as the loan application is concerned. If they show capabilities in their records, we will proceed with the bad credit loan application. However, in the absence of none, we will have to stop with the proceedings.

Loans up to $2,000

As previously mentioned that all our applications are online, clients are required to apply for the loan online with all the supporting documents requested.

After you have applied and submitted the documents, we will need to verify the documents submitted to us. We need to verify your income and expenses and determine whether you will be able to pay back the loan that you are applying. As a result, we will need a 90 days bank statement to conclude this assessment.

Loan approval

After we are satisfied with the verification process, we will call you to let you know whether your bad credit loan is approved or declined. Furthermore, you are required to sign for your loan and the money will be making its way into your bank account.


It is important that clients go through the “Terms and Conditions” section before they accept the loans. If they are happy, they can proceed to the next step of the loan application process.

When we can’t assist

We will always provide you with valid reasons as to why we couldn’t assist with the emergency loan. Furthermore, we will try to find you a lender that will be able to help you during your financial difficulty.

Swift – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $2,000
  • Repayment 16 weeks to 26 weeks

Benefits of Swift

  • Lightning-fast bad credit loans
  • Affordable debt consolidation
  • Apply online 24/7

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Swift Loan - Our loan approvals and payouts are fast

Be careful with people contacting you and asking you for your personal details over the phone. Everything we do is strictly online.

How much can you borrow?

Clients can borrow bad credit loans ranging from $200 - $2000.

In order to be considered for a Swift loan, clients need:

  • To be an Australian citizen
  • Over the age of 18 years old
  • Receives a regular source of income
  • Capable of repaying back short term loan

Repaid loans in full

After you have paid your credit advance plan, you are now promoted to VIP member and you can only apply for a new loan after all your payments have been cleared.

Credit history

Credit checks will be done on the basis of approving your loan. However, this doesn’t mean in the event of you having a bad credit record, we will automatically reject you. You may still qualify for a loan regardless of your credit history.

Clients with a bad credit score

Clients who have gone through a rough financial patch are also welcome to apply. We don’t devalue them because of their past financial mistakes; we will prioritize their blacklisted loan applications as we would do with every other client.

Early repayment

Early loan repayments are more than welcome. There are no penalties and extra fees incurred.

Late repayment

On the event that you think you will not be able to pay back your payday loan on time, please let us know in advance. Don’t wait before the date of your scheduled payment passes before you alert us. However, there are penalties that are charged for late payments.


Although we always ensure that we do our best to make our clients happy at all times, we understand that from time to time, we might slip up. Please let us know when we need to and help us fix the problem by alerting us what is wrong. We don’t take any offence on the complaints brought to our attention; we just want to be better.

Swift loan blog

We have a variety of articles that will help you get your finances in check. By reading them, you will be able to learn where you went wrong and what you can do to fix it.

man holding thumbs up

Swift is a trusted & reliable provider of bad credit loans

In our review, Swift adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

Swift is a registered credit provider in Australia: ACL 461533

Customer Reviews & Testimonials

April 2018

Swift Loans has the best consultants. They always go the extra mile just to ensure that a customer is content with their credit product.

Charlotte M
— Mackay —

September 2018

There is always somebody waiting and willing to assist you at Swift Loans.

Ava K
— Bunbury —

April 2019

I would recommend the services of Swift Loans to anybody that is looking to get an affordable credit package.

Noah T
— Canberra —

Swift Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 11:00 – 15:00
  • Sunday 11:00 – 15:00