Rating based on 5 reviews

Swift Loans


  • Bad credit loans up to $4,500
  • Low-interest starting from 35%
  • Repayment up to 52 weeks

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Swift Loans homepage

Author Swift Loans. Screenshot of Swift Loans website. [Accessed September 10, 2021]

About Swift Loans

We do think we are different in the financial industry since we offer a valuable service to clients when they feel like there is no help around.

Our processes are quicker than other firms because we're 100% online!

We make life easier

On average 50% of the population in the country, are turned down on their online loan applications because of their bad credit. We don’t turn clients down; we look at ways to help you improve your credit score.

We offer an online service

We take our services very seriously, including the fact that we are a responsible lender, offering clients only what they can afford, but looking further ahead than at a credit history which could affect your applications anywhere else. Let Swift Loans help you get a blacklisted loan today.

Swift Loans Services

Swift Loans in Australia can give you finance no matter what your credit score looks like.

We do understand the pressures in day to day life which demand extensive financial obligations and it’s not easy to keep up.

Get credit on the same day

This means you can complete your online quick loan application and get credit on the same day. Get approval and have access to a bad credit loan within one day! It’s simple!

1. Apply online with a few personal details and submit! – clients can have 24-hour accessibility through our easy to use online platform.
2. Give us a few minutes to verify your information – by meeting the requirements of our criteria, we can instantly approve your loan
3. Get your cash – we will inform you of the amount you qualify for, wait for you to accept, and transfer the cash into your banking account within 1 hour!
4. Pay off your loan - on set days via debit order according to the loan agreement we have put in place just for you.

Swift Loans Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 35%
  • Loan Amount up to $4,500
  • Repayment 10 weeks to 52 weeks
  • Decision Same day

Benefits of Swift Loans

  • Apply online 24/7
  • Affordable repayment terms
  • Flexible loans

Swift Loans offer bad credit options for all Australians

Easily complete a loan application online, and have between $200 and $2,000 in your bank account within an hour of your approved loan application.

It doesn’t get easier than that. Pay off your outstanding debts and interests. Cover those emergency payments, and start cleaning up your credit score, by getting rid of overdue and defaulted payments.

What you'll need to apply for a loan

To qualify, we need to know you are over 18 years old, so providing a copy of your ID is essential. This will also prove you are an Australian resident. We may also need 90 days bank statements, just to see that you can afford the repayments on your loan.

Get finance – even with bad credit

Our bad credit loan costs are very low, with a 19.99% fee on your application and a maintenance fee of only 3.95% per month.

You will find these competitive in the market, as we aim to provide a low-cost loan to our clients. You may incur debit order charges which can vary from bank to bank.

Access a second loan in record-breaking time

Clients who have repaid their initial payday loans in full have the ability to access a faster second loan, which would be a quicker process, as we already have all your details on our systems.

Clients can apply 24/7 through our online platform, or should you wish to contact us in person, our office hours run between Mondays to Friday from 09h00 to 17h30.

Bad credit clients – get your cash loan in 60 minutes and enjoy the freedom of changing your life financially from a simple start!

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Swift Loans is a trusted & reliable provider of bad credit loans

In our review, Swift Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

Swift Loans is a registered credit provider in Australia; ACL 461533

Customer Reviews & Testimonials

February 2019

Being blacklisted made applying for a loan very difficult and after being turned down so many times I was at my wits end and had no idea how I was going to repay my overdue electric bill. While b...

Summer D
— Noosa Heads —

October 2018

It was so easy to repay my loan thanks to your direct debit system that automatically deducted the loan repayments from my account on the agreed upon date. Applying online for the loan was simple...

Edward P
— Brisbane —

January 2019

Once I repaid my initial payday loan, I was able to apply for a second loan even faster which came in very handy when I needed it. Your service is fast and the money was in my account within 60 m...

Sandra E
— Darwin —

Swift Loans Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 11:00 – 15:00
  • Sunday 11:00 – 15:00