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Sometimes a relatively small personal loan – like $4000 – can make a big difference to your budget. If you need a $4000 Loan for car repairs, debt consolidation, extra bills, or anything else, Swoosh can help. Our application process is 100% online and designed to provide Aussies with quick cash without the hassle.
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Check your repayments with our online loan calculator.
What are $4000 Loans?
4000 dollar loans are personal loans with a specific borrowing amount. You borrow a lump sum of money and pay it back in instalments over a set period of time. A $4000 Loan can help you to pay for unplanned bills and expenses like dental care, car repairs, or holidays.
Swoosh cash loans are hassle-free and one of the easiest ways to get $4000 fast! Our application is 100% online and only takes minutes to complete.
What can I use my $4000 for?
Our $4000 loans can be used for anything at all. When life throws you a curveball, you need to act fast. The extra funds could be for a last minute holiday, car repairs or rego, new furniture, or to simply pay an unexpected bill. Whatever you need the cash for, all that matters to us is that you can pay it back under the terms and conditions of our agreement.
Am I eligible?
Our eligibility criteria are very straightforward. You must:
Be at least 18 years old
Employed for at least 3 months
A permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
How to apply for a $4000 loan
Apply for a $4000 Loan with Swoosh in 3 easy steps.
1. Complete the Online Application: Fill out the form on your mobile, computer, or tablet. It takes just minutes.
2. Get Approved: Receive approval within 60 minutes of receiving required information (during business hours)*.
3. Get Paid: Once you sign the contract sent to your email, we’ll transfer the money directly to your bank account.
How quickly can I get approved?
Well, it depends on how quickly you can submit your application! Complete it online and we will review it within minutes. Most of the time, you can get the money you need into your bank account on the same day*.
For more information: How to Apply for a $4,000 loan online
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Rate and fees
Our $4k loans can be paid back over 12 months. There are no hidden fees and charges, and no penalties for paying back your loan quicker, so you can pay it back as soon as you are ready.
- $0 application fee (even if your application is not approved)
- Establishment Fee – $400 (included in the loan amount)
- PPSR and Security Check – $20 (included in loan)
Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan.
Interest is calculated daily based on the outstanding balance and is applied monthly to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is returned unpaid, we may issue a $39.95 debit dishonour fee. This fee is not subject to interest, though you’ll continue to pay usual interest charges as described.
Find out more: Payday Loans Rates and Fees.
We make it easier to make loan repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment. We also only approve your loan application if we believe you can repay it.
Flexible repayment options:
- Weekly
- Fortnightly
- Monthly
Can get a $4000 with bad credit?
Yes, Swoosh can approve $4k loans even if you have a bad or poor credit rating. We will review your loan application based on your current circumstances and ability to repay the loan.
Who is Swoosh Finance?
Since 2014, Swoosh Finance has provided fast, convenient and responsible loan services to Australians from all walks of life. Based in South-East Queensland, we specialise in small loans and secured finance options. We look at each individual to see how we can best help them and their particular situation.
Our lending platform was built on:
- Giving a hand when it’s needed most
- A speedy approval process and easy online application
- Quick overnight electronic deposits
- Trust, security and transparency
- Developing ongoing partnerships
- Fast friendly service
FAQs
How do I receive my funds and how long will it take?
Your funds will be dispatched within one business day of signing your contract, Swoosh will electronically transfer your funds into your bank account.
If you return your signed contract by 3:30pm (AEST) time, your funds will be transferred overnight.
Is the loan process online or in-person?
Our process for a loan against your car is 100% online. You can apply 24/7 to borrow some quick cash through our simple application form.
Can I apply for more than one short term loan?
You can have more than one short term loan at a time. How many loans you can have will depend on what you can afford to service and what lender you apply with. You can also apply for a debt consolidation loan to borrow more money and roll all your loans into one payment.
How much can I apply for with Swoosh?
You can apply for a bad credit loan of anything between $2,200 and $5,000.
Can I get approved without a credit check?
As a responsible lender, we conduct credit checks on all applications. Credit checks are an important part of the application process and help to protect both you and the lender.
Testimonials
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The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
