Responsible Lending

Commitment to responsible lending

Swoosh Finance is committed to meeting its obligations as a responsible lender and safeguarding customers’ financial well-being through rigorous internal lending policies and procedures.

Our approach is guided by the Lender Responsibility Principles set out in section 9C of the Credit Contracts and Consumer Finance Act 2003 (as amended).

A copy of the Lender Responsibility Principles is available here:

Lender Responsibility Principles

A copy of the Act, current as at 1 October 2026, is available here:

Credit Contracts & Consumer Finance Act 2003 (1 July 2026)

We also have regard to the Responsible Lending Code, a copy current as at 1 October 2026, is available here:

Credit Contracts & Consumer Finance Regulations 2004 (1 July 2026)

Our lending practices reflect both our regulatory obligations and our commitment to sustainable lending. We make reasonable inquiries into each customer’s financial circumstances, requirements and objectives to assess whether the proposed credit is suitable and whether they can meet their repayment obligations without substantial hardship.

• We take our lending responsibilities seriously.
• We put you first — making sure we only approve you for a loan we know you can repay.
• Our highly secure and confidential system ensures you have the money you need — without any hassle or surprises.

Disclosure Statement and Contract Terms

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

NZ Disclosure Statement and Contract Terms

The Swoosh difference

We help you get fast cash — and we make sure you don’t have to worry about a thing. Unlike other lenders, we utilise professional (human!) assessors to review your application. Our team of assessors works under our responsible lending parameters — reviewing each loan application on its merits.

Transparency and communication

We pride ourselves on communicating all details and costs upfront, so there are no surprises. We continue to communicate with you throughout your loan so you know exactly when your repayment dates are.

In the case that you feel unable to make your repayment obligation, you can always reach out to our team for support and assistance. Be sure to give us as much advance notice as possible.

Our promise to you

Swoosh acts with honesty and integrity — and treats all potential borrowers fairly and reasonably.

We only provide an applicant with a credit contract when the applicant can afford to repay the loan without causing substantial hardship.

We practice reliable, responsible, and trustworthy lending — each and every time. Your payments will be directly deposited on time to your account, using our highly secure system.

Policy information

Swoosh operates as a responsible lender, ensuring you have clear and accurate information at all times. To view more information, visit our policy pages. You can also see answers to commonly asked questions on our FAQs page.

Our team

We hire people who are ready and willing to help. Our team of professionals works hard to get you the money you need — and fast. Contact our team with any questions or concerns.