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 May 3, 2023]

Swift Loans - Fast and convenient loans

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

The last thing they want to see is having their clients wait for hours on end for a personal loan they might not even get. They 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 is 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 clients that want to have a fast loan application and are also tied up with other work responsibilities. They don’t want you to come to them, they bring the loan application to you to be completed at your convenience.

Responsible lender obligations

When they put their name in an important name, they are putting down their reputation and they are saying that they will stick it through and pose no disappointments to their clients and the other financial providers that they work with. Having said that, they also ensure that they 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 them but they are more concerned about the affordability rank as far as the loan application is concerned. If they show capabilities in their records, they will proceed with the bad credit loan application. However, in the absence of none, they will have to stop the proceedings.

Loans up to $2,000

As previously mentioned that all their 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, they will need to verify the documents submitted to them. They need to verify your income and expenses and determine whether you will be able to pay back the loan that you are applying for. As a result, they will need a 90 days bank statement to conclude this assessment.

Loan approval

After they are satisfied with the verification process, they 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 they can’t assist

They will always provide you with valid reasons as to why they couldn’t assist with the emergency loan. Furthermore, they 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 bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Swift Loan - Their loan approvals and payouts are fast

Be careful with people contacting you and asking you for your personal details over the phone. Everything they 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 the 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 you have a bad credit record, they 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. They don’t devalue them because of their past financial mistakes, they will prioritise their blacklisted loan applications as they would do with every other client.

Early repayment

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

Late repayment

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


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

Swift loan blog

They 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