It’s hard to be prepared for an emergency, and if your car breaks down, it’s not unusual to become panicked. A Car Repair Loan, not to be mistaken with a car loan, is an emergency cash loan that is there for when disaster strikes, helping you get back on the road sooner. 

Get your car back on the road with a quick Car Repair Loan

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Our 3-step Car Repair Loan process

Our application process and approvals are 100% online. You can do everything online in just three easy steps, getting you your emergency car repair loan fast.

  1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes
  2. Approval of your loan is provided within 60 minutes of you providing the required information (during business hours)*. The decision will arrive promptly – right in your inbox.
  3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account!

How quickly can I get a Car Repair Loan? 

We pride ourselves on our same day loans, and our online loan application takes only minutes to complete. Once received, we can get you the money you need on the same day. In many cases, you can apply for your Car Repair Loan today and receive the funds in your account before the day is done.  

Once a contract is signed electronically, we’ll deposit the funds directly into your bank account.

Structure for Car Repair Loans

At Swoosh, we give you all of the information upfront.
With us, there are no nasty surprises or hidden fees.


Online cash loan amount $2,000 to $5,000
Application fee $0 (even if your application is not approved)
Standard establishment fee $200
Other Fees $16
Annual interest 47% (Comparison Rate 66.0347%)**
Term length 12 months
Flexible repayment options Weekly, fortnightly or monthly (based on your payday)


At Swoosh, we communicate upfront and honestly, making our online loans simple to understand and quick and easy to complete.

Can I get a Car Repair Loan even with bad credit? 

Yes, it is possible!  We understand that bad credit isn’t always an indicator of where you’re at today, and we have an evaluation process that takes this into consideration. 

For those who find themselves in a financially secure position after a history of bad credit, it can prove very difficult to secure a standard loan. So, by looking into the ‘here and now’ of your financial situation, we’re able to offer a bad credit loan to those who have been impacted by poor credit in the past. 

We offer our loans after evaluating current bank statements, assessing whether you have the ability to repay the loan now, not one year ago or some other time in the past. This way, you can get an emergency car repair loan with bad credit, helping you back on the road.

Fees and interest rates:

Our loans for car repairs can be paid back over 12 months. There are no hidden charges, monthly fees and no penalties for paying back your loan amount quicker – so you can pay it back as soon as you are ready. Find out more: Payday loans rates and fees

  • $0 application fee (even if your application is not approved)
  • Establishment Fee – $200 (included in the loan)
  • PPSR and Security Check – $16 (included in loan)

Keep in mind that you may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan.

Interest is calculated daily based on the outstanding balance and applied to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is missed or returned unpaid, we may issue a $35.00 debit dishonour fee. 

Can I apply online? 

We have developed an advanced online application system that allows for requests to be completed in minutes, with approval following not long after – on standard business days, this could be as quick as an hour. The fast Car Repair Loans we offer vary between $2,000 to $5,000.


We’ve made it as simple as possible, so you can apply for a loan with Swoosh today.

What are the eligibility criteria?

To be eligible for one of our Car Repair Loans, you need to meet the following criteria:

  • Be over 18 years old
  • Permanent Resident or a valid visa holder of Australia
  • Employed for at least 3 months
  • Own a vehicle registered in your name

Got questions?

Contact us to get your questions answered, or to discuss your individual case.


*Speed of approval is conditional to receipt of all requested relevant documents/information


**WARNING:This comparison rate is based on the Swoosh Medium Loan for an amount of $2,500 over 2 years and a $200 establishment fee. Fees and charges are payable. Different terms, fees or other loan amounts might result in a different comparison rate.