Can’t get a small loan anywhere? Swoosh Finance is a direct lender for small cash loans in NZ ranging between $2,000 – $5,000. Whether you need to get some quick cash for car repairs, finance renovations, or just a top-up for the weekend, we’re here to help. Even if you have bad credit! Apply online to borrow a small amount of money today.

What are small personal loans?

Swoosh provides secured small personal loans starting from $2,000 that are paid back in instalments over the course of 12 months. Once your loan application is approved the money gets sent to your account that very same day!

Looking for a larger loan? Our personal loan brokers can help you out with tailored finance starting from $5,000.

Man holding phone, happy after getting approved for small cash loan from Swoosh Finance NZ

What can I use it for?

You can use a small online loan for anything you need or want, including:

Unexpected bills

Home improvement

Travel & holidays

Flights & transportation

Training courses

Swoosh Finance Car Loans

Car repairs

+ more!

How do small personal loans work?

Our Small Cash Loans are designed to be both quick and easy. Fill in our online form, upload your bank statements, and we’ll assess your eligibility for a cash loan right away. Once your application is approved, funds are transferred within the hour. Our easy repayments will be automatically debited from your account for the next 12 months, meaning you can get on with the important things in life.




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 cash 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)

How much can I borrow?

You can get a small cash loan between $2,000-$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!

Get a small cash loan online

Getting approved for a small secured loan from Swoosh is easy. Apply in just three simple steps and you could have the money in your bank account today:

  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.


As long as you meet our simple loan requirements, you can apply for a quick online loan today! Our loans are available to kiwis who are:

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

Small Cash Loans NZ FAQs

Like any finance, small loans can be both good and bad depending on your situation. They can be an accessible source of finance for people not eligible for loans from banks or other lenders. But they also tend to come with higher interest rates, which makes them a more expensive option.

There is no set number of cash loans that you can have in New Zealand. However, if you have too many loans at once you may not meet the eligibility requirements of the lender. If you need extra cash but already have some cash loans, you could consider a debt consolidation loan to roll all other loans into one simple paymen

As a responsible lender, we need to review your application to ensure you are reasonably able to repay it. We aim to get this review and approval process completed as fast as possible – sometimes within the same hour that you apply.

We want our small loans to be accessible to anyone in NZ who needs one. We cannot offer guaranteed approval but with our simple lending and eligibility criteria, we are able to help a wide range of Kiwis. Even for people with bad credit!

A small personal loan can potentially help you to improve your credit rating. But it can also have a negative impact on your credit rating. As long as you manage your debt responsibly, for instance, by making payments on time, your credit score should improve over time. Learn more about how your credit score is calculated.