How it works

They’re Fast and Easy Loans!

1. Apply online.

You can apply online 247 from your mobile device or computer. The process is really fast and easy.

2. Verify your income and expenses.

Once you have met the initial eligibility requirements we then verify your income and expenses. Amongst other things, we review your most recent 90 days of bank transaction history. We use the services of a secure, reputable, external company, to help us with this. 

As our application process is 100% online, we can only accept applications via our website, and we do not accept bank statements via fax or email. Our bank statement provider is regularly adding new banks to their service. 


3. Approval.

We will then call you on the mobile number that you provide in your application to determine the suitability of the loan for you.

If your loan is approved by us, you will receive an email with a link to your loan offer.

Using the link that we send you, you then login to our website, check that you are satisfied with the details of our offer, and click "Submit" at the bottom of each webpage.

4. Confirm your loan.

If you’re satisfied, click the “Confirm” button and "I agree" to the Terms & Conditions of the Loan Contract.

5. We transfer you the money from our account in under 60 minutes!

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

6. Simple Direct Debit.

When your application is complete, we’ll provide a simple Direct Debit payment form for you to complete so that your Swift Loans repayments happen when they’re due, with no extra work from you!

When you become a VIP Swift member the process is even faster!