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
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:
- Complete our online loan application in just minutes.
- We review your bad credit loan instantly.
- 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.
How much can I borrow?
Swoosh Finance is a direct lender for small personal loans in NZ ranging between $2,000 – $5,000.
Flexible repayment options
We offer flexible repayment options to align with your payday:
Weekly
Fortnightly
Monthly
Eligibility
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.
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.