Beach

It's Swift, fast and easy!

Fast and Easy process!

Welcome to Swift Loans! We love helping our customers find online loans from $200 – $4500.

Our simple and easy to use website, allows you to apply online 247. 

Just complete our simple application form, and then submit your last 90 days of bank statements through our secure website.

Once we’ve received your application and bank statements, we’ll either look to lend to you via our sister company Oz Cash Loans or work hard to find you an alternative lender from our panel of small amount lenders.

 

How It Works

The process is really fast and easy.

Using your mobile device or computer you can apply online 247 and it only takes minutes.

The entire process is obligation free and it’s free to apply.

Please note: We only accept loan applications via the application form on our website, and we never ask for payments in advance of us approving a loan.

In order to maintain security at the highest level, we do not accept bank statements via fax or email.

Our site is a ‘https’ secure site and we use the services of a secure, reputable, external company when you apply to collect a read-only copy of your most recent 90 days of bank transaction history. We do this to help our credit team and the lending panel in their assessment of your loan application.

If we can’t help out with a loan from our associated company Oz Cash Loans, we will work to try to find you an alternative small amount lender. Let us do the hard work for you.

Whether you need fast cash for unexpected car repairs, medical appointments or even an emergency purchase such as a new phone, we understand that everyone needs access to credit from time-to-time.

Using Swift Loans can save you time and effort when you need it most. You do not need to search through numerous lender sites looking for a suitable loan. You just complete our fast and simple online application form.

 

Welcome to Swift Loans

At Swift Loans, we recognise that sometimes you get surprised with expenses that you just had not planned for. These can be anything from household bills, medical bills, veterinary bills or just some extra expenses that need to be paid straight away.

That’s where we can help!

All you need to do is answer a few simple questions on our Apply Now pages to see if we can help arrange a $200 to $4500 loan for you.

We aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST standard bank hours but please remember that the processing of, and subsequent deposit into your bank account, will always be subject to your financial institution, which is outside of our control.

What’s more, we take our role as a responsible lender seriously so that we only provide a loan to you that is affordable and easy for you to pay back. 

Our application process is completely online, 247 and our highly secure website is designed to be swift, fast and easy to use.  There’s no paperwork, no unnecessary questions, and most of all no queues or delays. 

The great news is, that once you’ve successfully applied for a loan with us, we’ll make you a VIP Member, so that the next time you need a fast easy loan, most of the application work has already been done for you!

Here are some examples...

Example of a Small Amount Loan

 

You’re after a loan of $1,000 to purchase a new laptop that is currently on sale. You apply online and you select your amount and repayment term. You choose to pay it back in 16 affordable repayments of $85.00 per week.

Small Loan example – Loan amount  $1,000

 

16

x

$85.00

=

$1,360.00

Repayments

 

Per Fortnight

 

Total Repayments

In the above example, you will pay:

  • Adjusted Credit Amount: $1,000.00 (what you receive)
  • Establishment Fee: $200.00 (set by NCCP at 20% of the loan amount)
  • Monthly Permitted Fee: $40.00 per month charged on the anniversary date of the loan
  • Amount of Credit of the Loan: $1,240.00
  • Nominal Percentage Rate (Interest) per annum: 0% as defined by NCCP
  • Comparison Rate:  201.9447% as defined by NCCP
  • Total Amount of Interest Payable: NIL
  • Total Number of Repayments: 16
  • Consisting of 16 payments of $85.00
  • Total amount of repayments: $1,360.00

 

Example of a Medium Amount Loan

 

You need $2,500.00 for a well-deserved overseas holiday for you and your family. You apply online and you select your amount and your repayment term – choosing to pay it back in 26 easy repayments of $136.98 per fortnight.

Medium Loan example – Loan amount  $2,500

 

26

x

$136.98

=

$3,561.28

Repayments

 

Per Fortnight

 

Total Repayments

In the above example you will pay:

  • Credit Amount: $2,500.00 (what you receive)
  • Establishment Fee: $400.00 (Set by NCCP)
  • Monthly Fee: $7.00
  • Direct Debit Fee: $0.99 per debit transaction
  • Amount of Credit of the Loan: $2,900.00
  • Nominal Percentage Rate (Interest) per annum: 35% as defined by NCCP
  • Total Amount of Interest Payable: $551.56
  • Total Number of Repayments: 25 payments of $136.98 and 1 final payment of $136.78
  • Total amount of repayments: $3,561.28
  • Comparison Rate*:  58.5251% as defined by NCCP