Why choose Swoosh Finance


  • Fast approval process
  • Flexible repayment schedule
  • No application fee


  • Charges an establishment fee
  • Above-average interest rates
  • Maximum loan size of $5,000

Swoosh Finance Personal Loans

Loan amount


Loan term

credit score icon

Credit score

Don't know your score? Find it out here.

Sort by


All filters

Loan amount
Loan term
Credit score

Don't know your score? Find it out here.

Loan type
Security type

Type of lender

Include all products?


We provide links to some financial institutions. If you click through to a financial institution, you can get more product information, apply for or purchase the product and RateCity may earn a fee for referring you. This is one of the ways RateCity makes money and how we can offer our comparison service to you for free. See how we make money for more.

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


Your estimated repayments


based on a $30,000 loan for 5 years at -

Total loan repayments


Total interest charged


Features of a Swoosh Finance personal loan

Swoosh Finance provides a range of small loans to its customers. Swoosh Finance may lend you between $2,000 and $5,000 in the form of a personal loan. Loan terms are between one and two years.

Swoosh Finance does not charge an application fee, but does charge an establishment fee should the borrower be approved. A direct debit dishonour fee may apply if a scheduled direct debit is returned unpaid.

Because Swoosh Finance loans are smaller and shorter than other personal loans, the personal loan interest rates tend to be above average.

Swoosh Finance personal loans – customer service

Customers can contact Swoosh Finance by phone, online enquiry, Facebook message or mail. Swoosh Finance customer service is available on weekdays, from 7am to 5pm.

Complaints and concerns can be submitted by email.

Who is eligible for a Swoosh Finance personal loan?

  • Must be a permanent Australian resident
  • Must be aged 18 years or over
  • Must be employed for at least three months
  • Must own a vehicle registered in your name, with no finance owing or encumbrances

How to apply for a Swoosh Finance personal loan?

  1. Click ‘Start your loan application’.
  2. Complete the online application form.
  3. Submit the online application form.
  4. If you're eligible and all the required information is complete, you will receive a loan approval within one business day.
  5. The funds will be transferred directly to your account. 

Swoosh Finance personal loans review

Swoosh Finance offers a range of loans for borrowers who need small amounts of funds quickly. Swoosh Finance lends up to $5,000 for terms of one to two years.

Swoosh Finance does not operate traditional branches. Customers use an online application form to submit their application, and a response is usually given on the same day.

Fees for Swoosh Finance personal loans tend to be average. While Swoosh Finance charges a high establishment fee if you're approved, it does not charge ongoing monthly fees or an application fee.

Because its loans are relatively small and are paid back quickly, Swoosh Finance personal loan rates tend to be above average.

If you’d like to find the best personal loan rates for your financial situation, it’s best to compare personal loan rates from a range of different lenders.

About our expert

Did you find this page helpful?

^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.