Looking for a quick emergency loan from a direct lender in NZ? We’ve got you covered! Our secured emergency loans start at $2000 and are 100% online. So whether you need to cover some unexpected expenses, have urgent medical costs, or need money ASAP for any other reason, we’re here to help.

How much money can I borrow?

You can borrow $2000 to $5000 from Swoosh and pay it back over the course of 12 months. Our payment plans are affordable and easy, meaning you can get on with the more important things. The best part is – you don’t have to remember to make payments, it all happens automatically! Apply online using your mobile and you could have your cash today!

If you need a larger sum, you can enquire about our broker services for a personal loan. Our broker loans start from $5,000.

Apply online for an emergency loan in NZ | Swoosh FInance

Emergency loans for any reason

Unexpected bills

Home repairs

Swoosh Finance Car Loans

Car repairs


Medical emergency


How to get an emergency loan

Our fast approval process is 100% online. Just follow these three easy steps and you’ll have the cash in your bank account in no time:

  1. Complete our online loan application in just minutes.
  2. We review your bad credit loan instantly.
  3. Electronically sign the contract and the money will be deposited directly into your bank within the hour!*

Our easy repayments will be automatically debited from your account for the next 12 months, meaning you can get on with the important things in life. Just another reason Swoosh is here to help in a pinch.

*For contracts returned at or after 4pm (NZDT), funds will be transferred overnight.

Apply online 24/7 for an emergency loan

Rates and fees

Swoosh Finance is all about simple, easy finance. That’s why we’re upfront about our rates and fees. You know what you are dealing with before you make any decisions.

Interest is calculated daily, based on the outstanding balance, and is applied monthly to your account. Our small emergency loans have fixed interest rates, so you know exactly how much you’ll be paying for the entire loan term.

If a scheduled payment is returned unpaid, we may issue a $40.00 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay the usual interest charges as described.

Online cash loan amount $2000-$5000
Application fee $0
Standard establishment fee $300
Account maintenance fee $10 per month
Other fees $25.30 (included in loan)
Annual Interest 48%
Term length 12 Months
Flexible repayment options Weekly, fortnightly, or monthly (based on your paydays)
Loan type Secured (against vehicle)


When you need money urgently, you want the loan application process to be a breeze. We’re keen on providing the easiest loan process in NZ, which is why we keep things simple. As long as you meet our four simple criteria, apply today for an emergency payday loan and we’ll get back to you ASAP.

At least 18 years old

New Zealand permanent resident

Employed for at least 3 months*

Own a vehicle registered in your name**

*Earning a minimum of $400/week

**Vehicle will be used as security for the loan

Emergency loan FAQs

If you are applying for one of our small cash loans ($2,000-$5,000) then you do not need to have a good credit score to apply. We give everyone a fair go and assess your current financial situation.

Our loans are based on your current situation, not your past credit reports, which is why we can offer finance to people with bad or poor credit in NZ.

We offer our online loans after evaluating current bank statements, assessing whether you have the ability to repay the loan now, not some time in the past. This way we are able to offer a second chance to people who have been affected by their credit history.

Apply online now or check out our same days loans to get money ASAP. 

If you’re looking for some ways to make money quickly, check out our 22 top tips for making money online in New Zealand.

No, as a responsible lender, we perform credit checks on all applications for our small emergency loans. This step in the loan assessment process helps to protect both customer and lender.

If you are having trouble with your emergency loan payments, contact us as soon as possible to discuss your options.