When you need money instantly, same day loans are the way to go! Whether you need emergency money to pay those medical bills, or you’re just getting ready for a big weekend, you can get quick cash today that’s deposited directly into your bank account. Apply for a small cash loan from Swoosh for up to $5,000 today!

Need a larger loan? Our loan brokers can help you get a personal loan tailored to your needs, with loans starting from $5,000.

What are same day loans?

Exactly what they sound like, they are loans you apply for, get approved, and receive the money all in the same day!

What can you use it for?

You can use your fast cash loan for anything you need or like, some common reasons include:

Unexpected bills

Weekend getaways

Car repairs

Bond payment

Debt consolidation

Medical expenses

+ more!

Best same day payday loans

We’re passionate about being a direct lender that offers the best small personal loans in NZ, which means:

  • Fast easy approvals
  • Friendly service
  • Easy approval for bad credit loan applications– as long as the eligibility and lending criteria are met

If you have any questions, don’t hesitate to contact our friendly team.

How do same day loans work?

Same day loans work the same way as other small loans, you borrow your preferred amount of money and then pay it off over a set period of time – along with the rates and fees attached to the loan.

Swoosh fast cash loans come with fixed interest rates and are secured by a car or other vehicle. You can pay the loan back weekly, fortnightly, or monthly to align with your pay schedule.


As long as you meet our 4 simple eligibility requirements, you’re good to go! Apply online today and we’ll get your application sorted 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

Rates and fees

We’re all about keeping things easy, so we’ve broken our same day loan rates and fees in a simple cost structure.

Interest is calculated daily, based on the outstanding balance, and is applied monthly to your account. Our small same day 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)
Woman applying for a Same Day Loan while waiting for train on holiday | Swoosh Finance NZ

Apply for a same day loan online

Swoosh Finance offers same day payday loans up to $5000. It’s super easy to apply, just follow our three simple steps to get approved for speedy cash today!

How to get a same day loan online:

  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.

Do you offer guaranteed same day approval?

While many Swoosh customers do get same day approval on their loan, as a responsible lender, we cannot guarantee it. The speed of approval will depend on what time you apply, application volumes at the time, and how quickly you supply the required information. 

If you want the best chance at same day approval for a small cash loan, there are a few things you can do:

  • Make sure you meet all the eligibility requirements before you apply.
  • Supply all the documents and information needed right away.
  • Apply earlier in the day to ensure the application is processed in time.
  • Check that there are no defaults or active bankruptcies on your credit file.

All these things can help speed up the assessment and approval process and ensure you get the money in your bank account ASAP.

Same Day Loan FAQs

Swoosh Finance is committed to being a responsible lender, we follow the lending principles set out in the Credit Contracts and Consumer Finance Act (CCCFA).

Same day loans are a super fast option if you need money right now, some of the benefits include:

  • Fast easy approval
  • Simple eligibility requirements
  • No guarantor needed
  • No credit history needed

Yes, you can have more than one loan at the same time. You can also opt to get a loan to consolidate your debts into one easy payment.