Rating based on 29 reviews

Swift Loans


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

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Swift homepage

Author Swift. Screenshot of Swift website. [Accessed April 12, 2018]

About Swift

Swift Loans is Australia's favourite short-term loan provider - helping people deal with unexpected emergencies and cash flow shortages quickly and efficiently.

Getting you back on your feet

We all experience occasional cash flow problems which require a bit of help to deal with. At Swift Loans we strive to get you back on your feet when your monthly income has run dry and you need a bit of a cash boost via a payday loan. We're very professional, efficient and quick.

Great staff here for you

Our staff have been trained well and are all highly professional individuals who are as passionate about our business as we are - they're available to assist you with anything you need at any time. Whether you have a question or a problem or just need a short-term loan - call us or send us an email and we will get back to you really fast.

Swift Services

At Swift loans we offer quick cash loans that range from $300 to $45,000 to both new and existing customers who are over 18, are employed and are residents of Australia.

Convenient loan terms

Our payday cash loans do not have to be repaid in full on your next payday - you can repay your loan in 4, 8 or 12 weeks! This means that our microloans are affordable for just about everyone! Why put a strain on yourself when you can make smaller repayments over a few extra weeks and get by more comfortable?

Cash in 1 hour

We specialize in quick, short-term cash loans online and strive to deposit the money into your account in just 1 hour! It's simple to apply on our website, and it will only take you a few minutes. Once you’ve completed the process, confirmed your loan and signed your loan agreement, you can be sure that your money will arrive - fast!  

Swift Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 35%
  • Loan Amount up to $4,500
  • Repayment 10 weeks to 52 weeks
  • Initiation Fee $200
  • Monthly Service $40

Benefits of Swift

  • Quick and convenient short-term loans
  • You can apply for a loan if you have a bad credit score
  • Our straightforward website allows you to apply 24/7

Applying for a short-term loan with Swift Loans is easy

Have you run out of cash in the middle of the month?

Have a burst pipe in the kitchen and need to get it sorted? Do you need a bit of extra cash to afford a trip or holiday without cutting it too close?

Whatever your cash needs are our instant cash loans can get you on your way in just 60 minutes!

Choose a loan

We offer short-term cash loans of up to $45,000 - and you can choose any amount up to this limit provided that you can afford it and provide proof of this affordability. Our loan range is flexible and is perfect for most types of unexpected expenses and basic purchases. We always recommend that you do not borrow more than you need - as this will make your loan more expensive. 

Choose a loan term

As mentioned, most payday lenders insist that you repay your personal micro-loan on your very next payday but at Swift Loans we understand that this is completely unreasonable and just another gimmick that lenders use to make customers incur late repayment fees or opt for loan rollovers. At Swift Loans you can repay your loan in 4, 8 or 12 weeks - so your loan will be much more affordable.

Bad credit loan options

We do not directly offer bad credit loans but will consider applicants who do not have perfect credit. At Swift Loans we're more interested in your monthly income and expenses rather than just your credit score. If you have defaulted on a loan or had a few problems in the past we will still be able to offer you a small short-term loan.

Become a VIP Swift Member

Once you apply with Swift Loans you will be provided with a username and password to log into your Swift Loan account and request quick cash loans without having to make another loan application. You will only be required to sign the loan agreement form for each loan - which takes just a few seconds to do. Once signed we will transfer the money in under an hour. Quick money for people on the move! 

man holding thumbs up

Swift is a trusted & reliable provider of short-term loans

In our review, Swift 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 is a registered credit provider in Australia; ACL 461533

Customer Reviews & Testimonials

March 2019

With Swift Loans the game is in the name; their loans are fast. When you apply for one of their loans you know that you will get the money within the same day. I speak from personal experience.

Taylor R
— Adelaide —

April 2019

The staff at Swift Loans is fast and well-trained. They are fully equipped to handle any financial situation that you throw at them. When I was having some concerns I just phoned them and they we...

Jacob H
— Queenstown —

January 2019

With a short-term loan from Swift Loans, you can change your entire life. All it takes it a simple application, a single response and one transfer. I am so grateful for the day that I decided to ...

John B
— Portland —

Swift 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