The big picture
Borrowing a small amount shouldn't feel like a part-time job. Swift sits between you and the lenders who may be able to help. Instead of researching lenders one by one and typing your details into several websites, you fill in a single application with us. We then introduce it to lenders who may be able to help, and a lender contacts you directly.
It's the lender that works through your application, makes the call on an offer and fixes the fees and repayments.
Step 1: Choose how much you'd like
Use the slider to pick any amount from $500 to $10,000. Not sure? Start with the bill, quote or invoice in front of you. Borrowing just what you need keeps your repayments lighter.
Step 2: Share a few details
Our form asks for:
- your name, date of birth and contact details
- where your income comes from and how much you receive
- your regular costs, like rent, groceries, transport and other loans
- what the loan is for
It's mobile-friendly and is quick to fill in.
Step 3: Connect your bank, read-only
Lenders are required to look at your recent banking before they lend. Rather than downloading and emailing PDFs, you sign in via a protected, view-only connection, and your recent statements are shared electronically. Nobody can move money with this connection, and your banking password isn't seen or stored by Swift. You can read the details in our bank statement terms.
Step 4: A lender reviews and gets in touch
Swift passes your application to lenders. A lender that can help reviews your details, usually checks your credit file and contacts you by email or SMS.
Step 5: Read, decide and sign
If you receive a loan offer, you'll receive a contract showing the amount, every fee, the repayment schedule and the total you'll repay. Take your time, ask questions and only sign if it suits you. Once signed, the lender pays the funds to your bank account.
Is Swift a fit for you?
- You're 18 or older
- Regular income lands in your bank account
- You use online banking
Lenders consider many kinds of income, including wages, self-employment and, for many lenders, Centrelink payments. A less-than-perfect credit history doesn't stop you applying.
How Swift is paid
You pay Swift Loans nothing. You can read more in our credit guide.
Explore loan types
Not sure which page fits? Have a look at quick loans, short term loans, online loans or loans for a purpose, like car repairs and vet bills.