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!

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. You can apply online at any time to get started!

Some common reasons our customers get a small loan are for:

Unexpected bills

Weekend getaways

Car repairs

How much can I borrow?

Swoosh Finance is a direct lender for small personal loans in NZ ranging between $2,000 – $5,000.

Need a higher amount? Check out our broker loans starting from $5,000.

Flexible repayment options

We offer flexible repayment options to align with your payday:




And with automatic recurring payments, you’ll never need to worry about forgetting to pay on time ever again!

Apply online 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:

  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 account the same day!*

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


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:

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

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 quick 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)

Quick loans with bad credit loan

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.

get a quick loan online | Swoosh Finance NZ

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.