FAQ

How do I apply for an online loan?

Our application process is 100% online. As long as you know your internet banking login details, and have a current Australian driver’s licence or proof of age card, that will get you underway.

We’ll also need to know information about the purpose for the loan funds, your pay, expenses etc.

How much am I able to borrow?

Our loans are for $300 to $5,000

We search our panel of lenders to find you a suitable loan. We dont not lend directly ourselves.

All of our lenders have Australian Credit Licences and as such are responsible lenders so they’ll look at the information you provide to make sure that the loan suits your requirements and you can comfortably make all of your loan repayments.

The good thing is that the process is so fast and easy you will quickly know where you stand.

Do I qualify for a loan?

To be eligible for a Swift Loan you need to be at least 18 years old, an Australian resident and receiving a regular form of income.

How do I make repayments on my loan?

It’s really fast and easy! At the same time as approving the loan, the lender will organise a direct debit to automatically make the repayments from your internet banking account on the repayment dates, which will usually be aligned to your pay cycle.

I’ve repaid my loan in full. Can I apply for another loan?

Congratulations! That means you’re now a VIP member. Use the Member Login area here to access your private member details and apply for another Fast and Easy Loan.

As we’ve worked well together in the past the new process will be even swifter.

How Swift Loans work?

Click here to see “How Swift Loans Work“

When can I apply?

Anytime you like! Our online application system is available 247

Please note our lenders usually aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST 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.

What if my bank is not listed on the banking login page?

When are my repayments made?

Before you confirm the loan please make sure you review and are happy with your repayment schedule.

Repayments will usually be timed to coincide with your pay cycle and will be automatically deducted by direct debit to take the hassle out of things.

If I am approved, what happens next?

Our lenders usually aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST 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.

The process is even faster if you need a loan again some time in the future; because once you have repaid a loan you automatically become a VIP member!

How do I get my money and how long does it take?

Our lenders usually aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST 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.

Do you provide weekend loans?

You can apply 247 for weekend cash loans. Please note that, as per the faq above, whilst 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, the processing of, and subsequent deposit into your account, will always be subject to your financial institution, which is outside of our control. For loans approved on weekends, this means that you may not receive your loan funds as your bank may not process the transfer until the following business day, usually Monday.

Will a lender check my credit history?

In some instances, a lender will undertake a credit check as part of their usual loan approval process.

Do you provide loans for self-employed, unemployed, Centrelink and people with bad credit?

Every loan is assessed on its individual merits. We know that your circumstances can often change. If you need a loan for self-employed, loan for unemployed, loan for Centrelink or a quick loan with bad credit history, why not apply? There is no obligation to find out if you qualify! We’ll try to find a lender who is willing to take a further look into your loan application.

BEWARE OF SCAMMERS pretending to be from Swift Loans Australia Pty Ltd asking you to transfer money to them, prior to you receiving any money from them.

We are Swift Loans Australia Pty Ltd.

We will NEVER ask you to give us any money.

If you have been asked to do this it is a scam.

We DO NOT ever randomly call people

We only accept loan applications by you completing our secure online loan application form here. 

We also never accept ID or bank statements via email or fax.

Can I repay my loan early?

For further information please contact your lender directly.

What should I do if I think I won’t be able to make a repayment?

If you think that the direct debit from your bank account won’t be processed on the date of your repayment, then you should let your lender know as soon as possible. 

How do I make a complaint?

At Swift Loans Australia Pty Ltd we want your experience to be so great that you tell all of your friends about us. That’s why if you have a complaint we will always take it very seriously and try to work it out with you.

From time to time we all make mistakes. So to help us when that happens we have put in place a transparent process to sort things out on our “Feedback and Complaints” page.

What should I do if I am experiencing Financial Hardship?

If you’re experiencing financial hardship yor lender will want to work with you proactively to help you through it.

We understand that times like this can be challenging but the sooner you contact the lender the sooner they can get on with helping you!

The government’s website www.moneysmart.gov.au has plenty of great advice to help as well.