Rating based on 46 reviews

Swoosh Loans

  • Bad credit loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 24 months

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Author Swoosh. Screenshot of Swoosh website.
[Accessed May 3, 2023]

Swoosh Loans – They are reliable

They run a business that is not primarily concerned about making money and profits from personal loans but an operation that wants to create a friendship as opposed to being associates.

When their clients feel like they have become great friends, they will know they can always count on them.  Because let’s face it – life’s problems are better when you have friends by your side.

They have many satisfied customers

For a young financial company that started back in 2014, they have come far. They have assisted every client that comes through their door. The services they offer have assisted a lot of homes and have changed lives around for many Australian citizens.

Every application is independently assessed

Due to the fact that every application is different in its own way, they will not use the same approach to tackle every bad credit loan application. Instead, they assess each application and give themselves time to go through every documentation before they can give the final verdict. They know that nobody wants to be told that their loan was declined. However, they sometimes have no choice but to decline a loan application offer. There will always be reasons stipulated as to why somebody’s loan application was declined. By doing this, they are teaching their customers what they need to do better in order for their loans to be approved next time. Furthermore, there is nothing you can do once your advance loan has been declined. You can go back to the drawing board and come up with new ways of being granted approval next time.

5-minute loan applications

Clients are required to apply online. The online loan application will take less than 5 minutes to complete. The online application can be completed via cellphone, tablet or computer.

This is a great advantage for people that are always busy and don’t have the time for walk-in applications. Technology has made things so much easy for people.

Awaiting approval for a loan

After you have applied for a short-term loan, they will send you an approval email if they are happy with your documents.

Should they encounter any difficulties that result in them not being able to continue with the loan application, they will also notify you as the client about the outcome.

Cash is transferred to your bank account

Prior to the money being deposited into your bank account, the client needs to sign the loan electronically.

Unless the client has signed and approved his offer, the money will not be sent to his bank account. The Terms and Conditions are usually stipulated in the contract agreement and they deem both parties to take responsibility for their roles in the bad credit loan process.

If everything is in order, money will be transferred to your account and you can use the money for your personal use.

Swoosh – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 48%
  • Loan Amount up to $5,000
  • Repayment 2 months to 24 months

Benefits of Swoosh

  • Quick loan payouts
  • Bad credit friendly loans
  • Apply for a loan online

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.

Swoosh - Their Bad credit loans are affordable

This is the criterion that needs to be met if a client wants a Swoosh Finance loan:

  • Be 18 years or older
  • Be an enduring Australian occupant
  • Must be working for at least 3 months
  • Own a car recorded in your name, with no money in arrears or burdens

What Swoosh can do for Australians with bad credit?

They will never isolate clients that have had a bad credit record in the past. They help them just like they would any regular customer. There is nothing wrong with a customer who has a bad credit history if they have changed their ways. What is important is the fact that they have learnt from their past and they will not repeat the same mistakes that left them in hot water. They can offer bad credit advances ranging from $2,100 to $5,000 for clients that qualify.

There is a criterion that needs to be met when applying for bad credit loans and if clients don’t meet the criteria, they will have no choice but to decline their loan application offer.  They often advise their clients as to how they can improve their records so that they can be legible for an advance next time. As disappointing as this may sound, they are only doing this because they don’t want clients to be further indebted with loans they can’t repay.

Blog articles and financial management

They have a blog on their website that clients whether old or new can access to find out about financial management. The articles that they post there have helped a lot of people who have felt that they were never going to have their finances in check. Today, they know how to budget and they know when they should borrow money and when they should not. With the economy becoming so expensive, clients should not put themselves in unnecessary debts that could have waited until payday. A payday loan should only be considered if it is an emergency and something that can’t wait another day.

How can you check your loan application status?

You can check your blacklisted loan application status by contacting them directly and they will notify you of the progress of your loan. They accept any means of communication.

man holding thumbs up

Swoosh is a trusted & reliable provider of bad credit loans

In our review, Swoosh 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.

✅ Swoosh is a registered credit provider in Australia: ACL 387993

Customer Reviews & Testimonials

August 2018

Swoosh Finance ensured that I get a loan within a short turnaround time.

Albert J
— Melbourne —

October 2018

I am so happy my loan application was approved by Swoosh Finance. It has been quite a mission to get affordable loan offers.

Pearl L
— Canberra —

March 2019

Thanks to Swoosh Finance, I got my loan on the same day I applied for credit.

Jack S
— Cairns —

Swoosh Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 256, QLD, Ashmore, Australia

Opening Hours

  • Monday 07:00 – 17:00
  • Tuesday 07:00 – 17:00
  • Wednesday 07:00 – 17:00
  • Thursday 07:00 – 17:00
  • Friday 07:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed