Rating based on 24 reviews

Swift Loans

  • Short-term loans up to $2,000
  • Low-interest starting from 20%
  • Repayment up to 18 weeks

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Swift Loans homepage
Author Swift Loans. Screenshot of Swift Loans website.
[Accessed May 24, 2023]

About Swift Loans

Swift Loans is one of Australia’s most popular alternative credit providers with loans ranging from $200 to $2,000 and loan terms of between 1 and 4 months.

A leader in their field

Swift Loans can easily be considered one of the most popular alternative credit providers in the country and when it comes to speed, efficiency and great customer service they are clearly leading the way.

An informative website

It’s easy to find the answers to your question on the Swift Loans website and you can easily get hold of them if there is something specific you need addresses.

They are very open and forthcoming with regard to everything from how much they will charge for a short term loan to their timeframes and approval criteria.

Swift Loans Services

Swift Loans is a short-term loan provider offer you loans from $200 to $2,000 over either 10, 14 or 18 weeks.

How much does it cost?

For a 10 week loan, you will be paying a once-off application fee of 19.99% and an account fee of 3.95% per month. This rate is slightly lower than other short-term loan providers.

No early repayment fees

With Swift Loans you can easily make extra payments on your loan or, repay your loan early without being charged any penalty fees. That means you can save on interest or on that monthly fee too!

Swift Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 20%
  • Loan Amount up to $2,000
  • Repayment 10 weeks to 18 weeks

Benefits of Swift Loans

  • Competitive interest rates from 20%
  • Apply for a loan if you have a bad credit score
  • Short-term loans up to $2,000
  • Loan term up to 18 weeks

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.

Get the loan that you need, the way that you like it from Swift Loans

One of the best things about Swift Loans is that you can get a loan in under an hour on the internet.

They are fast and efficient and that’s the reason that so many people choose to use and recommend them. You can complete an online loan application to get a personal loan at any time of the day or night that suits you from anywhere! Your loan will, however, be processed only during their business hour which is extended to 3 pm on Saturdays and Sundays.

Existing customers

Existing customers can apply for a short term loan in seconds just by accessing the Member Login area. This means you do not have to go through another loan application to get a loan – it’s yours instantly!

A streamlined online loan application

Swift Loans has one of the simplest and fastest online loan applications in the country and everything is done 100% online.

In order to get a loan, you will have to link your bank's statements to their system so they can verify that you can afford the fast loan. They do not accept scans, emails or faxes with bank statements.

Six simple steps to a loan

After you complete your online loan application Swift Loans will then review your 90-day bank statements, verify your identity and run a credit check. Once they are certain of affordability you will quickly be notified of your approval by telephone. You will then get a link via email which will direct you to your loan offer.

After you confirm your loan they will then credit the funds to your account. Finally, your repayments will be taken out of your account via direct debit.

Are you able to apply?

If you are a permanent resident or citizen of Australia, are over 18, and have a stable income then you can apply for a loan with this lender.

Although it’s easy to qualify you will also have to provide 3 months' bank statements to them so that they can check your income, and expenses and avoid lending to you if you already have any payday loans.

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 Protection Act, 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

November 2018

So many times I have been turned away by lenders in the past but Swift Loans was different. They gave me the opportunity that the others were not willing to and it has made the world of differenc...

Matthew D
— Perth —

September 2018

Early repayment was a pleasant surprise for me. While some months are rough others are sometimes easier. For this reason, I was able to repay my Swift Loan early and at no additional cost.

Cindy A
— Wyndham —

October 2018

For deals that will make your dizziest dreams come true to be sure to explore Swift Loan’s website. Thanks to them I was able to go on the long overdue family trip I had been planning for months....

Gregory H
— Dampier —

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