Rating based on 5 reviews

Swift Loans

  • Bad credit loans up to $4,500
  • Low-interest starting from 35%
  • Repayment up to 52 weeks

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Swift Loans homepage
Author Swift Loans. Screenshot of Swift Loans website.
[Accessed March 15, 2023]

About Swift Loans

Swift Loans is one of the quickest payers of fast loans in the credit lending market assisting clients looking for Bad Credit Loans in Australia.

Thousands of clients in Australia are benefiting from the Responsible Lender who is a specialist when it comes to securing easy bad credit loans online for clients. Their turnaround with loan applications is among the quickest in the sector because they are 100% online.

Making life easier for clients 

Swift Loans are interested in their customers’ financial well-being. They provide for their clients’ immediate financial needs with their quick loans and ensure that they will be more financially stable in the future.

Bad credit is the norm, especially in the current economic climate. Swift Loans fully understands this and will leave no stone unturned to get their clients back on track with finances.

Battling to pay debts

Australians with bad credit issues need not worry. Swift Loans prescribes to the rules of the National  Consumer Credit  Act which means their team of experts will carefully analyze every bad credit loan application so that they can access the loan that fits their needs. Feedback is immediate and clients are assured they will be assisted every step of the way.

Swift Loans Services

Swift Loans are aware that clients in the market for Bad Credit Loans are in urgent need of money.

Therefore if all criteria are met, their customers can have their money in their bank accounts within a 24-hour period. The online lender offers quick loans from as little as AU$ 200 up to AU$ 4,500.

They are committed to keeping bad credit loans online costs at an affordable rate for clients with interest rates pegged from 35% and a loan maintenance fee of 3.95% each month. 

The advantage of a low-cost loan is that clients can use these to pay off debts or default judgments. This helps customers improve their credit score gradually that can lead to an improved record with the Credit Bureau.

This means clients will be in a position to either apply for more or bigger loans in the future by improving their credit score.

Apply Online with a Bad Credit rating

With Swift Loans the online application process is as smooth - and easy as 1-2-3. The online lender’s staff are qualified in all rules governing the financial service sector and will give immediate feedback after a client has filled in the online application.

Swift Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 35%
  • Loan Amount up to $4,500
  • Repayment 10 weeks to 52 weeks
  • Decision Same day

Benefits of Swift Loans

  • Apply online 24/7
  • Affordable repayment terms
  • Flexible loans

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 Loans offer bad credit options for all Australians

The bad credit loan applicant just needs to fill in a few personal particulars – name, address, and contact details and hit the enter button.

These are the requirements to apply

  • Applicants must be 18 years old or older
  • They must be a bona fide Australian citizen
  • They must have proof of identification (identity document)
  • They must be permanently employed
  • They must provide 3-months bank statements

Why Swift Loan is the right fit 

Swift Loan makes sure it provides competitive cheaper loan costs for clients with a prescribed online loan application fee of 19.95%. The online lender ensures clients have 24-hour access to check the status of their application through their simple-to-use online platform. It only takes a few minutes to verify client information, once an application has been lodged.

Especially in circumstances where all criteria have been met by the client, loans of up to AUS$ 2,500 can be approved within an hour. Swift Loan staff will inform the client of the amount they qualify for and the money can be in their bank account immediately.   

Easy online bad credit loan

When clients walk away with a bad credit loan from Swift Loan they know they are getting more than just a loan – top-class service too. The trusted and reliable tag is synonymous with the credit lender for many years of its existence among its Australian clientele. They are not just swift and quick with putting cash into the pockets of their clients but will always uphold best service practices.

Benefits of a Swift Loan

  • Interest rates from 35%
  • Repayment period of from 10 to 52 weeks
  • Same-day decision on the loan application
  • Apply online 24/7
  • Quick bad credit loans

Bad Credit Loan Clients can access a second loan

Swift Loans believes in giving their customers second chances. Clients who have paid up loans in full are allowed to access a faster second loan. This is by far an even quicker process because the lender already has the existing details of their clients on their online systems.

Another advantage is that these clients will be familiar with the rules and protocols of the system – which makes for a hassle-free second application. Clients can apply 24/7 through the lender’s online platform or can visit them in person during office hours on the contact number made available on the portal.

man holding thumbs up

Swift Loans is a trusted & reliable provider of bad credit loans

In our review, Swift Loans 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 Loans is a registered credit provider in Australia: ACL 461533

Customer Reviews & Testimonials

February 2019

Being blacklisted made applying for a loan very difficult and after being turned down so many times I was at my wits end and had no idea how I was going to repay my overdue electric bill. While b...

Summer D
— Noosa Heads —

October 2018

It was so easy to repay my loan thanks to your direct debit system that automatically deducted the loan repayments from my account on the agreed upon date. Applying online for the loan was simple...

Edward P
— Brisbane —

January 2019

Once I repaid my initial payday loan, I was able to apply for a second loan even faster which came in very handy when I needed it. Your service is fast and the money was in my account within 60 m...

Sandra E
— Darwin —

Swift Loans 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