Rating based on 29 reviews

Swift Loans

  • Short-term 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

With Swift Loans, you will know exactly where you stand in getting a loan, within minutes!

A nifty service that understands that from time to time you encounter expenses that you haven’t planned for. When that is the case, you don't need to go through the hassle of waiting days for a response from your bank, filling out countless pages of forms, or taking care of the paperwork.

You can enjoy a quick and easy, 100% online procedure. They employ a streamlined, hassle-free process that lets them carry out their work with minimum fuss. Swift Loans is a licensed and responsible lender that is constantly searching for ways to improve the way they do things, and highly value the feedback of their clients. Applications can be done online using any device such as a laptop or mobile device. This saves a lot of time in the process and allows you to get back to other important tasks. They know your time is too valuable for standing in line or waiting. Time is money!

How much you can borrow

Quickly and conveniently access the cash you need in a few easy steps – most of their loans are between $300 and $4,500 but can go up to $10,000. All of their costs are upfront and transparent. The best part is that if they can’t help you, they will find another lender who can. Their quotes are completely obligation-free and done through their sister company Oz Cash Loans.

As long as you know your internet banking login details, and have a current Australian driver’s license or proof of age card, you are good to go. You’ll also need to provide them with some basic information like the purpose of the loan, your salary, expenses, etc. Once approved, they will transfer the money into your account in less than 60 minutes (during AEST banking hours). 

Swift Loans Services

Unexpected expenses can jump at you at any time such as household bills, medical bills, veterinary bills, or car repair bills.

A short-term loan is a perfect solution for these surprise situations, especially if you know that you will be able to pay it back soon. Borrow an amount between $500 and $10,000 that can be repaid over 10 to 52 weeks, they can even help you with a bad credit loan if your credit score is not so good. You can also become a Swift Loans VIP member once you’ve repaid your loan with them, so that the next time you need a fast easy loan, most of the application work has already been done for you!

Rent and Bond Loans

It’s such an exciting journey when you find the perfect home you want to move into, but then you have to pay the bond upfront, and that can be very expensive. The good news is that they understand that these important expenses can be urgent, and will get the funds to you fast.

Take good care of your loved pets

Maybe your fur baby, wing baby, or whatever type of baby you have got sick and you don’t have the immediate cash to get them the emergency medical attention they need. Don’t let money get in the way of their precious lives.

Payday Loan 

Designed to help you out of a tight financial spot, on short notice. These loans can usually be paid back on your next payday and are tailored to your budget with flexible repayment plans of 10 – 52 weeks that will give you the comfort of paying your loan off over the timeframe that works best for you.

Swift Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 35%
  • Loan Amount up to $4,500
  • Repayment 10 weeks to 52 weeks
  • Initiation Fee $200
  • Monthly Service $40

Benefits of Swift Loans

  • Quick response
  • Bad credit is welcome
  • Apply online 24/7

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Applying for a short-term loan with Swift Loans is easy

You can apply anytime you want as their application system is available 247.

You can also contact them via the Contact Us page on their website for assistance. 

To be eligible

  • You need to be of legal age or older (18),
  • an Australian resident
  • and receiving a regular form of income.

As long as you 

  • Know your internet banking login details,
  • have proof of age card or driver’s license,
  • and you can afford the repayments
  • you will be sorted in no time!

You’ll also need to provide them with some basic information like 

  • The purpose for the loan funds,
  • your income and expenses.

Once your loan is approved, they will transfer you the money in less than 60 minutes (during AEST banking hours).

Benefits of using Swift Loans 

  • Getting things done in no time.
  • Ensuring that the loan is tailored to your lifestyle, budget and you will be able to easily. Afford the repayments.
  • Flexible and affordable loans.
  • Licenced and responsible lenders that value the feedback of their clients.
  • 100% online and hassle-free.
  • A range of short-term products available to you
  • You can become a VIP member that will help to make the process even faster the next time you apply.
  • Upfront and transparent costs.
man holding thumbs up

Swift Loans is a trusted & reliable provider of short-term 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

March 2019

With Swift Loans the game is in the name; their loans are fast. When you apply for one of their loans you know that you will get the money within the same day. I speak from personal experience.

Taylor R
— Adelaide —

April 2019

The staff at Swift Loans is fast and well-trained. They are fully equipped to handle any financial situation that you throw at them. When I was having some concerns I just phoned them and they we...

Jacob H
— Queenstown —

January 2019

With a short-term loan from Swift Loans, you can change your entire life. All it takes it a simple application, a single response and one transfer. I am so grateful for the day that I decided to ...

John B
— Portland —

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