Get a quick loan in NZ today with Swoosh! Whether you need fast cash to cover an unexpected expense, need a top-up for the weekend, or any other reason, we’re here to help – even if you have bad credit. Apply online today!
Quick and easy cash loans
You can get a quick Swoosh loan for any reason. Our loans are secured by your car (or another vehicle) and are paid off over 12 months.
Some common reasons our customers get a small loan are for:
- Unexpected bills
- Weekend getaways
- Car repairs
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Apply for a quick loan
Get a quick cash loan today with Swoosh! We offer quick and same day loans on most applications, so you can get the cash you need fast!
Here’s how to apply for a quick loan in just 3 steps:
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Complete our online loan application in just minutes.
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We review your bad credit loan instantly.
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Electronically sign the contract and the money will be deposited directly into your bank account the same day!*
*For contracts returned at or after 4pm (NZDT), funds will be transferred overnight.
Apply online today
How much can I borrow?
You can get a small cash loan between $2,100-$5,000 with Swoosh Finance. The process is hassle-free, 100% online, with fast approval. Apply in minutes and get the cash in your bank account today!
Flexible repayment options
We offer flexible repayment options to align with your payday:
- Weekly
- Fortnightly
- Monthly
And with automatic recurring payments, you’ll never need to worry about forgetting to pay on time ever again!
Eligibility
When you need money immediately, you don’t want to mess around with a complicated loan process. That’s why we make our eligibility and loan approval process as simple as possible.
As long as you meet our four simple criteria, you can apply online today:
- Be at least 18 years old
- New Zealand permanent resident
- At least 3 months of regular income*
- Own a vehicle registered in your name**
*Minimum of $350 per week
**Vehicle will be used as security for the loan
Check eligibility
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 bad credit 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.
| Loan amount | $2,100 – $5,000 |
| Fees: |
|
| Annual Interest | 48% |
| Term length | 12 Months |
|
Debit dishonour fee (if a scheduled payment is returned unpaid) | $40 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
| Repayment options | Weekly, fortnightly or monthly (based on your paydays) |
Keep in mind that you may incur additional fees each time you miss a payment. As a result, this may also affect the length of your loan.
Quick loans with bad credit
Swoosh Finance offers quick bad credit loans to all Kiwis who meet our eligibility and lending criteria. We look at the ‘here and now’ of your financial situation, assessing everyone on an individual basis.
We want you to receive the assistance you need, so we look at more than just your credit history.
So no matter where you are, there’s always a fast cash loan option near you. Simply apply online, and you’ll have your application done in a couple of minutes.
Quick loans NZ FAQs
You can repay your loan in full at any time to eliminate future interest payments. There is no fee for an early repayment.
As a responsible lender, we do conduct credit checks as part of our assessment process. But as long as you can reasonably afford to repay the loan, bad credit shouldn’t hold you back from quick loan approval with Swoosh.
Your funds will be dispatched within one business day of signing your contract, Swoosh will electronically transfer the funds into your bank account.
*For contracts returned at or after 4pm (NZDT), funds will be transferred overnight.
Bank statements are required to verify your income as part of our assessment process.
