Rates & Terms

Apply Now

Apply Now

4.8

The trusted loan choice for hundreds of Kiwis

Estimate your loan repayments

Loan amount:

Loan term (months):

The repayment amount shown using this calculator is an estimate only. The results from this calculator should be used as an indication only, and do not represent either a quote or pre-qualification or approval for a loan. This calculator should only be used as a guide to see how personal loan repayments can vary when you change the loan amount. Total amount paid includes the loan amount, interest at 48%, $400 establishment fee, $30.00 in government fees and $10.00 account fee (monthly). It does not include the PPI insurance OR Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts.

$83.00

Borrowing:
$3,000
Interest & Fees:
$1,316
Total to Repay:
$4,316
Repayment:
$166

Get your loan! Check Eligibility

Estimate your loan repayments

Interest rates and fee breakdown

Loan amount	$2,100 – $5,000
Annual Interest	48%
Term Length	12 months
Application Fee	$0
Establishment Fee	$400
Government Fees & Charges	$30
PPI Insurance	PPI is not a fixed fee; PPI fees may vary between $84.39 and $124.57 depending on the application criteria
Account Fee	$10 (monthly)
Manual Statement Fee	$5
Dishonour Fee	$40
Payment Amendment Fee	$25
Flexible Repayment Options	Weekly, fortnightly, or monthly (based on your payday)

Rates and fees accurate at the time of publishing – last updated 04 June 2026.

See below for more information on rates and fees.

Direct lending service

We are a direct lender and offer a fixed interest rate for our Small Cash Loans, which range between $2,100 – $5,000. This means your interest rate and repayments stay the same over the life of the loan.

Repayments are made weekly, fortnightly, or monthly depending on your pay cycle. Plus, you can repay your loan in full at any time to eliminate future interest payments.

Interest rates

The annual interest rate on a Small Cash Loan is a fixed interest rate over the term of the loan – so you know exactly what to expect.

Interest is due and calculated each day on the outstanding balance of the loan using the daily interest rate (the annual interest rate divided by 365). It is charged to the loan account on the 1st day of each month (for the preceding month).

Payments

Payments are made weekly, fortnightly, or monthly depending on your pay cycle.

You can repay your loan in full at any time to eliminate future interest payments. There is no fee for an early repayment.

If a scheduled payment is missed or returned unpaid, we may issue a $40.00 debit dishonour fee. 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 and therefore change the total cost of the loan.

Establishment Fee

This fee reimburses us for some of our reasonable costs of considering your application, documenting and advancing the loan.

Payable on advance of the loan, by deduction from the loan advance.

Establishment Fee

This fee reimburses us for some of our reasonable costs of considering your application, documenting and advancing the loan.

Payable on advance of the loan, by deduction from the loan advance.

Account Fee

This monthly fee reimburses us for some of our reasonable costs in administering the loan account.

Debited to the account each month and payable in your regular payments.

Manual Statement Fee

This fee reimburses us for the administration when you request a manual copy of your loan statement.

Payable by you when you make a manual statement request.

Payment Amendment Fee

This fee reimburses us for each payment amendment you request, and we complete. The amendment fee compensates us for the administration necessary to amend your contractual repayments.

This fee is added to the account balance on the day we process the payment amendment.

Third party fees: Asset Check, PPSR Search & Registration Fees, PPI Insurance, Credit Check

These fees are fees we incur from third parties when you enter into a loan with us.

Payable on advance of the loan, by deduction from the loan advance.

Sample contract

Sample contract for Small Cash Loans ($2100-$5000) provided by Swoosh (including terms and conditions):

NZ Disclosure Statement and Contract Terms (last updated May 2026).

Responsible lending

Swoosh Finance are committed to the practice of responsible lending and do not want to keep you in debt. We want you to repay your loan quickly and we aim to only lend to people who we believe can afford to repay us as agreed.

Assessing loan affordability

At Swoosh Finance, we undertake reasonable enquiries to verify your financial situation. We do this in order to make a responsible assessment about the suitability of the contract for you and the affordability of the loan.

Income

As part of our commitment to responsible lending, customers need to be earning regular income for at least three months in order to obtain a loan from Swoosh Finance.

Swoosh Finance wants you to be able to repay your loan as soon as possible and it is important that you do not borrow more than you can afford.

Credit check

At Swoosh Finance we reserve the right to run a credit check. We do this as part of our assessment of the suitability and affordability of a loan for you.